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Disability letter from my doctor to Lender

What should the letter from my doctor to Lender for a home loan say if i am receiving SSDI for an incurable condition. by sharon_758_630 from Atlanta, Georgia. Jan 8th 2012 Reply


Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 2,512 contributions

The general rule for using Social Security Disability Income to qualify for a home mortgage loan, is that we have to prove that it will continue for a minimum of three years beyond the closing date. Therefore depending on your condition, the Doctor should focus on that aspect. With that said, we don't always need a letter. It depends on the overall circumstances. I normally tell my clients not to worry about it until or unless the Underwriter specifically asks for one.

Jan 9th 2012
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Bert Carpenter (BertCarpenter)
#40 ranked lender in Arizona - 1,732 contributions

If asked for a letter documenting the permanency of your disability, that is exactly what the letter should discuss. The purpose of the letter is to support your continued receipt of your disability income. Without it continuing for at least three years, underwriters generally will not use the income. I hope this helps. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

Jan 9th 2012
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Jason Robinson (CFIsupport)
#60 ranked lender in Georgia - 100 contributions

Showing the condition is permanent, and your social security will be continued for 3+ years.

Jan 9th 2012
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