You are viewing a single comment's thread.

view the rest of the comments →

[–] ColdSteam 3 points -3 points (+0|-3) ago 

Some mortgage companies will only need 3 months of steady income but most will ask for 6. They will ask for 2 years of tax returns, but don't worry about that.

Also, use a reputable local mortgage broker who is not tied to any single lender, or who represents a company that writes their own paper, then sells the mortgage after escrow closes. The first will shop your loan to several lenders and save you a bunch of hassle (and possibly money). The second will mean only one underwriter instead of a pre-shop process followed by a final selection process - that takes longer to actually close.