If you want to buy right now you better have 20 percent, FICO in the high 700s and making around 100k plus a year in order to maybe have a chance…..Oooh and by the way do not forget you may have to pay some of the closing costs if not maybe all since most sellers are banks…. I wonder if you can even get what you want?? I don’t believe currently it is about a purchase offer agreement but actually closing escrow since Country Wide is one of the only lenders offering any stated income programs to date??