A lot of it depends upon the loan program you are trying to qualify under. 2 years W-2s is not a deal breaker. As an example, if you were in school for some time and now have a job in that field, the time in school would count towards your 2 years. It is not a deal breaker. Good luck, and let me kow if you have any other questions.Steve Sextonsteve@1800valoans.com877-376-0223

No that shouldn't be a problem. We should be able to take care of that for you. You can call me at 704-507-2479 or email me at angelo@lendwithleverage.com

hi there: If your dad will not occupy the property, you can use him as a non-occupant on the application...I know Freddie allows non-occupant...FHA allows that too....when the system comes back for a decision it will state if 2 yrs of w'2s are required sometimes no depend on strength of file. Worse if you come across an issue I can get an exception from my u/writer or take it to my private investors which will be no issue and can go up to 100% depending on if there is equity in the home upon appraisal completed. (Mike 703 505 5300)

Hi Mappleton. Not having 2 consecutive years of W-2s will be alright if you recently graduated and are employed in a occupation that corresponds to your college degree. In regards to have a non-occupant co-borrower (i.e. your father-in-law) on a loan application, an FHA insured home loan is your only option even with those FICO scores. Be advised that your personal debt-to-income ratio will still be evaluated as well as the total combined debt-to-income ratio with your father-in-law's income, debt and assets. Having a co-signer on a home loan is different than an auto or personal loan. Hope that helps you on your home buyer journey. James @ GVC Mortgage, Inc

If you were in school or self employed prior, you'll be OK. If you were not a student & not employed, you may have issues depending on the length of gap of employment.

You should be able to go FHA if you are a recent college grad with out the non ocupying co borrower.

Not a problem, depending on your profile the father in law may not be required..... As a bank we can get loans approved with out any w-2's.