About getting the loan, it has been a weird process. There are few key things bank are looking for. This is based on what I have asked around bankers
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One thing is not to have a bad credit report. For example, you forgot to pay some bills and collecting agency was send to your way. Even you paid it off whatever you owed, it would remain on your credit report for 7 years(unless you use your attorney!!!) Have you check your credit score lately? If your score is about 600 or less, no matter how much money you make, bank would likely not to loan your money. It shows that you might likely to have "bad" money management in the past.
Other thing is money transactions. The bank would like to see "large" amount of money in and out of your bank account(s). It does not mean you max out your credit card, then pay it back 3 years later. It would lower your credit score. This is just my .02 cents
adreamer