You might hate your job since are underpaid. Need to easy to fix though. Just ask for a raise with your employer. Make a high quality timing though that also should be backed with good explanations.
Anytime one does a "no PMI" loan the debt ratio is a huge issue as second lien companies are often more strict than the primary lien mortgage company. Second lien companies typically prefer DTIs on the inside 40-45% cooktop. Of course, if one's debt ratio is higher than 45% they'll probably have to obtain a single, first lien which will include Pmi.
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Both policies will cover the structure of your property on an empty perils basis, however, the contents are only on a named perils basis planet HO-3 policy. This means that in the situation of a loss, even though the physical house may be covered, everything you own at home may cease. Most insurance companies don't explain each time they are signing you up a good HO-3 plan.
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