Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 2,963 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.