We found our dream home. We have 10 plus years of making mortgage payments on time with zero late payments. Because of the market we have next to no equity. We had credit cards, paid them off so that now we have no bills, we have no debt outside of the home. we have a credit score in the upper 700s. I make more money than I used to, my wife owns her own cleaning business and is making money with it. We can afford 2 mortgage payments if we had to do it for up to a year. Yet we cannot find a lender to give us a loan for this home. Thats whats bugging me today. Meanwhile people with no history of making payments, no history of financial responsibility are getting loans and can get the home we dream of. What happened to the American Dream?