DH is a reservist in the CG on active duty orders for the last 2 years, and we will be active duty for at least another 1 to 2 years to date. When he first activated, I stopped working and became a SAHM because we were making enough money to do so and live comfortably. Problem is, now we're looking to buy a house. The bank will not look at him as being Active Duty and will not look at any of his Coast Guard income. It just makes things look bad on paper this way because I do not currently have a job, but plan to by the fall once LO3 is over 6 months. The bank will only consider DH's civilian job pay which is hourly at a 40 hour week, even though when he was working that job it was all about the over time pay and he was working 70 hours a week. We don't have any debt other than two car payments totaling 600/month. The annoying thing is the bank is also factoring in our rent to our debt to income ratio, so they won't preapprove us for anything. I'm so overwhelmed, we are looking at a 200k loan which sounds like it should be simple, but we're getting turned down. We both have amazing credit an have been paying rent between 12001500/month without issues for the past 12 years, but apparently that doesn't matter. Should we just keep calling banks until someone says yes? Even if I get a job they are going to look at the fact that I just started working, so that won't help us until a few years down the road. So far we have only talked to USAA because that is who we do all our banking with. Last year we were in a similar situation, got pre approved for 450k, and then when we went to get the mortgage sht hit the fan and they said they couldn't approve us at all. Since then we paid off most of our debt and saved more money. We thought this time around would be better because we werent looking for as much and had a better ratio. Am I just going to be stuck in an apartment with 3 kids forever?! Any input is so much appreciated. I feel defeated, TIA!