You may still qualify. Were you receiving short term disability benefits? Are you back to work now with same employer?
Your best bet is to contact Edward Dubinsky at Absolute Home Mortgage (215) 808-5353 ,or by e-mail at: firstname.lastname@example.org.
Good luck with your mortgage pre-approval. When you are ready to start hunting for properties, please call me so we can develop a starategy to acquire a great deal on your next home.
Have a Happy Healthy & Prosperous New Year in 2013.
All the best,
Larry Lichtman, CNE
REALTOR, Property Manager
Your Real Estate Resource For Life
Cell/Text: (267) 254-7994
Real Estate Sales & Leasing
Property Management & Insurance
1611 Snyder Avenue
Philadelphia, PA 19145
Office: (215) 271-7070
the best way to get a confident grip for a Mtg approval is to confide in a professional Lender. I have a few in mind that would be willing to walk you through the process.
Feel free to give us a call and we can get you to a professional manager
All the best, John+ Sheri Curci RE/MAX 215-757-2889
There are many factors that are considered when applying for a mortgage. Based on the credit score you provided you are able to qualify provided that your report doesn't have any debts that need to be paid down or off and you have solid employment history (atleast two years). If you were out of work based on documented injury and then returned to your job and previous to the injury you worked there for two years plus than you should be ok. The only way to know for sure is to speak to a lender, if for any reason you are unable to get qualified now I have a team that can get you ready in as little as three to six months! I can also refer you to my preferred lender if you would like. Please feel free to contact me as well as browse my website for homes!
Danielle R Gurst
267 423 2623
You will need to have 2 paystubs and the letter from workers comp. Showing how long & why you were out of work.Now is the time to start the pre-approval process incase there is anything on the credit report that needs to be taken care of.
I do a lot of work in Germatown & the rest of the city and will be happy to assist you in the buying process.
Please contact me to discuss your wants
and desires in a home and will connect you to a knowledge able loan officer who will get you pre-approved.
Century21 Advantage Gold
It will really depend on the strength of the rest of your application and the program your lender suggest. A gap of employment can be a serious issue to a lender, but if there are compensating factors you may be able to overcome it. My suggestion would be to meet with a local full service lender and discuss this and any other limitations you may have up front. FHA may be an option, they tend to be more lenient than conventional, but no one should deny you without a more complete picture of your situation.
One last thing, by meeting with a lender, if you are not currently qualified, you'll find out what you need to do to qualify sooner.