Conventional loan rule changes have been tough on “Projected Income.”
Closings had to be delayed until a borrower received their 1st pay stub with the new raise, or AFTER they started a new job and received the 1st pay stub.
Teachers have especially had trouble buying a new home during summertime if they happen to be changing jobs and moving to a new school district.
FHA allows “projected income” from a raise or new job to a maximum of 30 days before the effective date.
But, now we can approve and close a Teacher’s or Relocating Executive’s home loan up to 90 days prior to the effective date of their raise or start date of employment.
Specific requirements must be met, such as written verification of the salary increase and the effective date of the increase. For a new job, the employment offer must be non-contingent, and the fully executed offer letter and borrower’s acceptance must be included in our file.
REALTORS – This program will make summer’s closings much easier!
Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.
Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”
Call us 1st to AVOID mortgage problems,
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J. SCOTT HARRIS | VICE PRESIDENT & BRANCH MANAGER
& MORTGAGE MIRACLE WORKER
NMLS # 375517 | (M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Apply Now
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885 E Collins Blvd Ste 110
Richardson, TX 75081
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana
Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender