eric c wrote:Not looking for wild guesses. Would like some concrete answers with at least 95% certainty. Anyone?
The only person with 95% certainty would be your mortgage lender. This is an internet credit card
forum, my friend.
The banks look at yearly, regular income to calculate whether you can safely afford the monthly mortgage payment. You've been well-employed for the past 4 years, so that combined with last year's income, a good credit score and a 20% down payment should be enough to get you the loan.