Neither is your DTI, etc.Lenders will look at your credit. 

I read people very well at times, and I don't like being right about this stuff.I spent a great many years of my life paycheck to paycheck, no credit, no money, around drugs, around addiction, around fraud, around poor money management and I payed very close attention to it all.

All I care about is my credit score, and know this place could go to auction soon. 

Tom Gimer can verify.....I believe one of the conditions for title insurance to buyer is that property taxes have been paid/credited at sale and believe property taxes are an exception not covered.

My credit is over 800, along with a strong financial background, so I am not worried about getting approved.

My credit union needs a 12 month seasoning - I tried. 

So then we will have to confirm their educational records and job history?

and called the selling agent to telling her to tell the seller to return the fridge or give me credit for a new one (they returned the old fridge which I still use). 

To be honest I have only tried local credit unions so far so maybe I need to go one level down from even that.   

I have about 130,000 equity in my house, but honestly my credit isn’t very good so I’m not sure a HELOC is a great idea.