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Update: We bought the place (my first, I'm 25) for a little more than 5% off the asking price. Basically, since I am the "primary wage earner" in the family, the normal mortgage companies only look at my credit for calculating what rate I can get. However, since the portfolio guy we went with for this place is not a traditional mortgage lender, he can take into account crazy things like my co-borrower's credit score, which is much better than mine. so, incredibly enough, the rate we got for the non-conforming loan on this place was actually _better_ than what I would have gotten from a traditional mortgage company.
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Grant
In the stable: 1938 Buick Special model 41, 1963 Solex 2200, 1973 Vespa Primavera 125, 1974 Vespa Rally 200, 1986 VW Vanagon Syncro Westfalia, 1989 VW Doka Tristar, 1995 Toyota Land Cruiser, 2011 Pursuit 315 OS, 2022 Tesla Y
Gone but not forgotten: 1973 VW Beetle, 1989 Porsche 944, 2008 R56 Mini Cooper S
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