No income for 3 years, Can I still get a loan?

Probably not until you have the job. Underwriting criteria uses ongoing income to support the payment of debt, including the new mortgage. There are some programs that will allow for the liquidation of assets, like a Savings Account or an IRA account, but you would need to have enough in the account to provide at least 36 months of payments. It doesn't sound like what you have would be enough for that kind of a loan program. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ At NEXA, we've got you covered. We are licensed in all states except VA and we're pending approval in MA and NY. ~ www.ApplyYes.com 480-889-9000.

The basic mortgage rules of course require you to have income to be able to afford the payment. The bigger question is your job gap. As long as you've either had a minimum of two-years work history in your past before this job gap, OR you've graduated and can provide school transcripts in lieu of a two year job history. VA loans are awesome loans... So once you get a job, you are probably fine. I offer VA loans in MN WI IA ND SD, and can be found at VAMortgageMN.com - NMLS 274132