Question about qualifying

Hello, mortgage guidelines are pretty standard all across United States. You should not have any problems for income qualification.

You shouldn't have any problems, and they will most likely average the two years bonus, but either way sounds as if you will be in good shape.

Your best bet would be to contact a professional here on lender411 or a localcommunity bank to provide you some options. One of the items that the Loan Officer will ask for is 2 years tax returns. Does your husband take any unreimbursedbusiness expenses? if so, that can change your debt to income ratio's-

are you in CA or CO????/ underwriters will do a 2 yr avg ,ans since he has been with the same company he is not a risk my email is yourloanpartnerforlife@live.com linda

Lenders will average his last two years income... So talk to a local mortgage broker in your area for exact qualifying numbers.

Sounds like you shouldn't have a problem qualifying based on the information you provided. The incomes will be averaged over the two years since they vary. Contact several local mortgage brokers to see if you qualify. If you are looking to purchase in California we can help you out - feel free to give us a call!

Hi, based on your statements your income should be ok for qualifying. You need an experienced lender to go over all aspects of your situation and present varyious options along with the pros and cons of each. I insist on educating my clients such that they have the knowledge to make an educated decision. I'm available at your convenience. Robert HansonGladewater National Bank301-651-7822: C240-752-7549: Orobertlh66@verizon.netwww.loansfromrob.com

As others are saying, you should be okay as long as the details of your application match up with what you are saying and depending on your tax return info. To make sure, pick an experienced, reputable mortgage person and have them do a "credit approval" where your income and assets will be reviewed and you'll have an approval subject to finding a property and other final details. I can help: pdumouchel@primelending.com or http://pdumouchel.primelending.com Good luck!

I can get this deal closed with only current tax returns. Please give me a call or shoot me an email and I will be more than happy to get you qualified. Thank you. :-)Brian Hickeybrian@uwlending.com