Wells Fargo 10% down program is useless

Wells Fargo's requirements for 89.9% financing:

·        Max Debt-to-income 35%
·        Minimum credit score 740
·        Purchase of primary home
·        Minimum of 12 month principal, interest, taxes and insurance needed (50% can be retirement)
·        No gifts for down payments
·        No interest only

为什么？除了dti比正常低其他都还好呀。

DTI影响很大，但是家里没矿的刚毕业码农，也许有用。工资高，很快就够10%首付