Restricted Stock and RSU Income for a Mortgage: When Vested Shares Count as Income
Restricted stock and RSU income can count toward a mortgage when shares are vested, distributed without restrictions, and documented. The conditions, explained.
Furloughed in the Middle of a Loan: What Happens Next
Furloughed mid-loan? Employment is re-verified before closing, so the file usually pauses. What furlough means for approval, and what to send underwriting.
Temp, Staffing-Agency and Contract-to-Hire Work: What a Lender Can Count
Temp agency income and a mortgage: who verifies your job, what a contract-to-hire conversion changes, and the documents underwriting asks for.
Union and Trade Workers: Qualifying When Every Job Is a Different Employer
Union and trade workers with multiple employers: how underwriting reads hiring hall work, which documents to gather, and how dispatch gaps are handled.
Seasonal Work and a Mortgage: How Lenders Handle the Off-Season
How lenders document and average seasonal income: multi-year earnings history, rehire evidence, and applying during the off-season. General information only.
You Are Inside a Probationary Period. Does That Stop a Mortgage?
Inside a probationary period at a new job? Probation is an employer label, not an underwriting rule. What lenders actually test, and how to document it.
Buying a House With a Job Offer Letter: What Each Loan Program Allows
Buying a house with a job offer letter: what conventional, FHA, VA and USDA generally allow before your first paycheck, and what your file must carry.
Mortgage While in Chapter 13: The Court Permission Path
Can you get a mortgage while in Chapter 13? FHA's handbook sets an in-plan path: 12 months of on-time plan payments plus written court permission (general).
Part-Time and Second-Job Income: When a Lender Will Count It
Will a lender count your part-time or second job? Often yes with a documented history - the three tests, plus seasonal, PRN and gig rules (general).
Do You Really Need Two Years of Self-Employment? When One Year of Tax Returns Can Be Enough
One year of self-employment tax returns can work when the guideline and the file support it. What Fannie Mae, FHA, VA and USDA actually require - general, confirm current.