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So I'm trying to get a mortgage for a nice condo. My credit's good and I work two jobs, one full time and salaried and one part time; biweekly. My full time job pays pretty good, but the problem is that I'm put on call during June and July, and I may not get paid for those two months. I do get paid by my part time job year round though.
If the lender saw that I don't get paid for two months by my full time job, would that fuck me out of the mortgage, or would they be like "hey, he saves up and does have a separate job, so he should be able to pay for those two months"? Is there any way they'd be able to check that?
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If you can't afford to put 20% down up front, you can't afford it anyways.
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>>1438799
A deposit isn't really an issue, it's just getting the damn thing. My worry is that they'll check my income and notice those two months without me getting paid by my full time job. Or do they just mostly look at W2s?
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Banks are going to look at your financial picture as a whole. debt/income ratio or Assets vs liabilities etc. If your mortgage is 10% of a regular months income, your debt free and good credit, probably not a big deal.And Yes! there's an easy way to check that. Go to the bank and apply for a loan.
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>>1438819
>debt free
I gots two student loans and a credit card that I pay on regularly.
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>>1438814
Don't worry. If you have money the fucking banks want to loan you more money. Shit will get approved if you try more than once with someone else.
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