Ok, I need input from all you finance-savvy people out there..... I want to buy a house for 0 down. Payments will be $650 a month. I currently own a home, payments are $450 a month. That is my only fixed payment -- I paid cash for my cars and I don't have any monthly bills like cable, credit cards, etc. I don't want to sell my home until AFTER I buy the new one. (why? because I want to move my plants, and berries, and trees...... the realtors think I'm crazy, but it is important to me! Also, I want to sell it on my own. If I buy a house contingent on selling mine, I'll be forced to use a realtor and sell it cheaply/quickly so I can get the other one). I have enough money in the bank to make mortgage payments on both houses for two years -- although I fully intend on selling my current one within a couple months. The problem is that both mortgage payments will give me about a 45% debt-to-income ratio. I think you have to keep it under 32% or so to get a loan. Will a bank take into consideration that I have the cash to handle the payments until I can sell? I realise that getting a 0 down loan will make my payments higher than I'd like, but I could put a chunk down after I sell my current house. The one bank I talked with said they wouldn't recast the loan (don't know why -- I'm really not getting any straight answers out of them), but I think I could refinance it in a couple years to get the payments down. What do you think? Is there some other option that I'm not seeing???