Can I Use My Spouse's Income On The Loan So I Get Approved? (First Time Home Buyer Tips and 2023)

#mortgage #approvals #incomeverification

Clearly, I love doing loans! Need a mortgage or want to chat about your scenario? I am licensed in 48 states for purchase and refinances. Here is how to contact me:

3) Call me 707-478-0637

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Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611
Branch Address: 4863 Old Redwood HWY, Suite D, Santa Rosa, CA 95403
Top 1% in the nation 2016-2021

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NMLS #247743 Guaranteed Rate NMLS 2611

State License Numbers: AK - AK247743, AL - 72998, AR - Licensed, AZ - 1007541, CA - CA-DOC247743, CO - 100516570, CT - LO-247743, DC - MLO247743, DE - MLO-247743, FL - LO66900, GA - 70357, HI - HI-247743, IA - 33839, ID - MLO-2080247743, IL - 031.0054184, IN - 41478, KS - LO.0039219, KY - MC717200, LA - Licensed, MA - MLO247743, ME - Licensed, MI - 247743, MN - MN-MLO-247743, MO - MO-247743, MS-247743, MT - 247743, NC - I-189119, ND - NDMLO247743, NH - Licensed, NM - Licensed, NV - 66544, NY - Licensed, OH - MLO-OH.247743, OK - MLO20600, OR - 247743, PA-247743, SC - MLO - 247743, SD - MLO.08498, TN - 205478, TX - Licensed, VA - MLO-40552VA, VT - VT247743, WA - MLO-247743, WI - 247743, WV - LO-247743, WY – 8203

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[JosephGamacheKDAHS]

Keep up the great work! I work in the mortgage space, and your info and attitude are awesome!

[brenixon]

As someone who is currently working with Mrs. Beeston, I can attest to her and her team's greatness. They have answered all my questions and have literally made this process painless. I went through the fully underwritten process and I am currently under contract and I could not have made it this far without them and my amazing realtor. Thank you so much Mrs. Beeston for everything you have done for me

[kelvinbrookins]

So happy we just started our VA loan process with your team 🙌 👏 😀 😄

[ashleycardenas-naquin]

This video explains my scenario that’s why I started working on my husband’s credit almost 2 years ago. Praying next year we will finally be ready to buy as first time buyers.
My question is last year I didn’t file because I didn’t think I needed to- I started cleaning houses to earn income & only made less than 11k. This year I made more than I did last year & do plan to file. If I file for last year could that filing still be used along with the one from this year? Would it raise a red flag?

[profitsdaily]

*"Good things come to people who wait, but better things come to those who go out and get them."* ---

[lavida]

I have a bad credit but my wife has a good credit, She is co-signer in the application and we have a bank approval but insurer denies can we get qualify?

[alondrasandoval]

I’m a student my husband makes the income but I have great credit as well as him could I still co sign only using my credit?

[anniesmolkin]

Can they use only my name if I am a student and have great credit . Is it possible they can leave someone out . If they don’t want to leave him out can a co signer from the family help us get approved

[jennhilda]

Ug. So when my hubby said I don’t need your high credit score because you are otherwise useless he was right. 🥺 House hunting is the closest you will get to divorce ever.

[minjikim]

Can’t the spouse just “gift” the money?

[MagManx]

Dave Ramsey says Doctors and Lawyers are the absolute worst with money lol

[Thekodezone]

Let's be honest here, spouses income isn't used BUT spouses income IS there. So to not use It or consider it is nothing short of a scam to charge a larger down payment with higher interest rates. 🤔