Look, what makes it so hard for you to comprehend a guy earing $30k a year taking a $67k mortgage?
I maintained an immaculate use of credit cards, kept a proven record of adequate income for the size of the mortgage, never had any accounts at all going into collections, no judgements ever made against me, and had some cash reserves in the bank.
Wtf do you think would have disqualified me?
But no, you're just going sit there thinking I have to dox myself.