Its strategies include adding bilingual loan officers and creating alternative credit-scoring systems that take into account rent, utility bills, child care expenses and medical payments.

. $120,000 return not bad if I should say so myself. 5:00 Return home play with our child (were first time parents), good days work needs a good days play Celebrate birthday, Im 31 thats pretty frickin old if you ask me.

I no longer have to commute during rush hour.I have the freedom to spend lots of time with my wife and child.

And fortunatly Im an only child still not sure if thats a good thing or a bad thing.

Or child support lien?

She has a child.

I feel even more uncomfortable with the situation because he has told me that the girlfriend is pregnant with his child.

You may not count pay from a new part time job if they have no history of part time income or child support being received on a 20 year old college student may drop off at 21, so that income is not expected to continue and it would not be counted.The amounts available to these students probably come with strings attached, most likely their grades must be acceptable, if they end up on probation funds could be at risk.

A financially distressed seller can get into all kinds of trouble which could result in having additional liens come against the property (back property taxes, irs liens, child support, water/sewer, etc), or they could lose the property altogether by foreclosure.

I am going to treat this 10,000 day old (DOM) listing like it's my first born child!