Mortgage Approval Based on Assets?

I’m fairly sure I know the answer but will ask just in case one of you lovely people has a suggestion.

There’s a house I like and could afford to buy in cash but would prefer not to. Does anybody see a world in which we get any type of mortgage at under 2%?

Total assets of non-restricted stock investments and cash equal just under double the asking price.

Me: non-Japanese, NPR and unemployed

Spouse: Japanese with a job she just started, house price about 12.5x annual salary

No outstanding debts

I’m assuming my options are cash, maybe a massive down payment or co-signer but would appreciate any other suggestions.

by Insignificant-Common

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