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Posted on Sep 28, 2023 in Stated Income Loans

Examine out these chateau pictures:

Chateau_SeptimoB_Page011
chateau
Image by desparlsp
Château de la Valette – Pressigny les Pins – Loiret
Diario de un antiguo alumno
Séptimo 1985-1986

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Question by Amie T: Apply for an FHA loan before promotion?
My husband and I would like to apply for an FHA loan. He is at business training, drugs and will get a promotion when he returns to work on the 13th. He was going to come home for the weekend, and we were considering applying for the loan on Monday (before the promotion). Should we wait until he fully gets promoted, or can we inform the bank that he will be getting more pay in a week and they can confirm with his work?
This is just to get pre-approved for an FHA Loan.

Best answer:

Answer by loanmasterone
If you would wait to use the potential income from the promotion, your first contact with a FHA mortgage lender should be after you have received your first pay stub from getting the promotion. This then would be the income used for qualifying for your mortgage loan.

The lender would need proof of income not hear say or possibilities, the pay stub would prove without a doubt his income.

If you were to go apply for a pre-approval on Monday, whatever income was on your pay stubs, W-2 and other proof of income would be used.

I hope this has been of some benefit to you, good luck.

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