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So I am a W-2 IT contractor and there's a pretty bi distinction if you are a 1099 or a W-2. If you are a 1099 there's not way around it, you are going to need 2--3 years of earnings information and they are going to base your ability to pay off the least lucrative year in those last 2-3 (i.e. when you took your sabbatical.)
However, if you are on a W-2 just say that it's a W-2, never mention the word contract because to everyone else in this country that means 1099 and just make sure that your contract does not end before you close! (If it's a contract for an indefinite period of time, you are golden.) I would probably recommend saying something to the effect of "I work for X company, but I work on location for our client, Y company" and leave it at that.... more
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No coop HDFC or ordinary coop is FHA approved. FHA loans have regulations that coops do not meet. Coops (cooperative housing corporations) have restrictive covenants, such as board approval, flip taxes, and minimum down payment requirements therefore they are not eligible for FHA loans.
Citibank, Chase, BofA, Sterling National Bank and Lower East Side People's Credit Union will provide financing for HDFC coops.
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I think it is very possible, that depends mostly on where you are applying for the mortgage loan, my fiance and I had such issues until we heard about Accord Savings, now we got a loan at very low interest rate as well, now we are currently repaying and it is stress free.
email@example.com is my contact in case you need more info.... more
So far, I haven't had the best experience with Campos. It seems this is going to be a very long process and require me to follow up and check everything. I've signed on to have a house Built about 2 1/2 months ago and they have yet to call me. I've had to call twice to get a status and unfortunately I have no good answers to share. No set it stone start date, no meetings that they said we would have by now and again no phone calls to let us know what is going on with the process. The home is supposed to be done by the end of the summer, but I don't see that happening at all and unfortunately. We are already in contract for our current home, since we were confidently told it will be done at the time they said it would. If there is this many issues already, I can only expect more to arise during the building process. The land still isn't even cleared and they won't give me an on our about date as to when they will start. Very frustrating experience thus far, I get there are delays and permits to obtain but communication would be appreciated. I am paying a decent amount of money for this home, it would be nice to just make sure I'm being updated.... more
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