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I HAVE A VA ELIGIBILITY CERTIFICATE, BUT NEED SOMEONE ELSE'S INCOME TOHELP ME QUALIFY FOR A VA LOAN.?

by gblamire917 from Crawfordville, Florida. Mar 10th 2014 Reply


Unfortunately only the veteran and a spouse can be on the loan you cannot use income from a non spouse to qualify so if the other person is your spouse you're good if they're not unfortunately it won't be an option. If I can assist farther my number is 561-373-0371

Mar 10th 2014
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Ralph Richard Guertin (ralph@absolutelowrates.com)
#136 ranked lender in Florida - 796 contributions

Yes, IF you are married we can use the NON-Vet's income otherwise not..

Mar 10th 2014
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#77 ranked lender in Florida - 2,240 contributions

Only your spouse's income can be used to help your income for VA. There are other programs that will allow for 100% financing as well. Give us a call and we can go over your complete scenario and give you information regarding the two programs that will allow a non occupied co borrower. Call us or email us at 800-991-5309 or Team@BestMortgageOption.com for a no cost no obligation analysis of your situation ask for Michelle or Benny. We will find the Best Mortgage Option to suit your needs! Check us out at www.BestMortgageOption.comAsk us about the awesome discounts we offer heroes as a Homes for Heroes affiliate!

Mar 10th 2014
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thanks for replies, but am a widow..an prior veteran..

Mar 10th 2014
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#77 ranked lender in Florida - 2,240 contributions

If you can come up with 3.5% down you can add a non occupying co borrower to help you qualify for an FHA loan as long as you meet all other guidelines as well. Give us a call as we are part of the Homes for Heroes program and would like to discuss your situation and see if we can help. 800-991-5309 ask for Michelle

Mar 10th 2014
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Jason Gonzalez (purchaseflorida)
#192 ranked lender in Florida - 27 contributions

VA may or may not be an option for you, but using a co-borrower wouldn't work with the program guidelines. I was able to help someone in a familiar position, not too long ago. If you'd like to see what your options are, please feel free to give me a call directly at 407-371-1104. I am a local Florida mortgage broker with extensive experience closing loans with special circumstances such as this; I'd love to be able to point you in the right direction.Either way, I wish you the best of luck and sincerely thank your husband for his service to our country.

Mar 10th 2014
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John Schweer (johnschweer)
#10 ranked lender in Missouri - 163 contributions

Yes Maam you can use a non-spouse to qualify for a VA loan, there is a specific way to do this and specific rules that apply. I will be happy to explain them in detail if you'd like.... I am a US Veteran and have been specializing in VA lending for over a decade.... Thanks John Schweer 816-412-3568

Mar 11th 2014
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