How can get home loan if I have low income, but can pay down good payment?

Posted on Aug 20, 2024 in Stated Income Loans

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Question by George Nelson: How can get home loan if I have low income, salve but can pay down good payment?
I was wondering, buy information pills as everyone says it is hard to get loan these days, if could be able to get loan. I have very low self employed income for past years. If I was going to buy house for 200K and had income about 700 dollars a month. Would bank give me loan if I put 60K down payment? My grandfather just passed and I inherited the money.

Thank you

Best answer:

Answer by Age of Reason
No because you cannot repay the mortgage of 140k plus property tax and house insurance. Find a cheaper house

What do you think? Answer below!

4 Comments

  1. You can’t. The mortgage payment would be over $ 800 a month plus taxes and insurance.

  2. Nope……and you are not even close!! Since you only make 700 per month, that puts you are only affording a monthly payment of about $ 250 per month. A 140k mortgage with property taxes and insurance will be over $ 1000 per month. If you do the simple math, you cannot afford even the basics of owning a home, let alone utilities and maintenance. You need to make MUCH more money if you want to own a house that costs 200k. Why not just buy a cheap mobile home or something else that you are able to afford with so little income??

  3. Not on your life

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