I have a client in michigan who wants to pay off a land contract that is 10 months old. Her middle score is 610 and she owes 74,000 on a property that appraised for 82,000. She is a waitress and does not show enuff income through her paystubs and has no w-2′s although her bank statements for the past 24 months do show income of about 2300 a month. she has no other bills.