good morning.......you sound like a solid borrower...not being full-time isn't going to kill the deal, except for the fact that you would not have enough history as part-time......yes, you can have a non-occupant co-borrower.......since you are 24, i assume your parents are still working...and would offer to help you.....your income can be used...but a verifiaction of employment (a fannie mae form) would be sent to your employer...if it comes back part-time fine.if it comes back as temporary status, your income cannot be used until the temporary status is lifted....if the temp. status might continue indefinitely, then you can use only your parent's income and you can then supply only occupancy and the deal should go fine..don't forget..when applying for a mortgage- your years of college count as job history since you are teaching.....listing you as part-time isn't a problem, and their income and debts will be combined with your income and debts to arrive at a new math problem....fha would be the best way to go, unless your parents are currently on an fha loan........if the condo association is approved fha or can be approved by the spot condo approval checklist...you're set to go..i hope that helps./...bob mcclure- success mortgage partners- plymouth, michigan..

Hello Sbrugby I would contact a lender directly to see what they are willing to do. Lender have changed their guidelines and requirements both of which seem to be changing all the time. We have a Bank of America loan officer working out of our office who is really good. You also might check with your credit union to see if they are doing FHA loans. If there is anything else I can help you with feel free to contact me.

Troy

Bless you for being a teacher! More power to you.

Happily, Alameda has a home buyer assistance program http://www.alamedahousing.com/hsg_asst.html#first_time

And you being a teacher, is given special attention and priority.

I have lenders who will be happy to assist you in this endeavor. Two of them live in Alameda, the third used to live here. So all three are intimately knowledgeable about the local programs.

And, go to my website where I have provided links to other cities with home buying assistance. http://www.alamedahomefinders.com/Help_for_Home_Buyer/page_1…

Good luck!

Please contact me directly and I will be happy to give you their information.

Your better option where NO ONE will misunderstand YOUR well author statement speak with mortgage broker review entire file. Lender will require 2 years of employment, HOWEVER contact a loan officer they can detail all involved for future purchase.

Sorry to hear about your situation.

National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer
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