>>833792
>>833793
The loan requirements are based on your income/spend ratio. If you can show and convince them that your combined income meets the ratio for the amount lowed you could go with a low-doc lender through a mortgage broker (unless you want to apply to them individually). The interest rate will be high but you could try to refinance with someone else at a cheaper rate. The hardest part is getting the loan, it is a bit more relaxed around refinancing a loan.