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Not having verifiable income will not help you but thankfully your husband has a decent credit score. If his current work is "official" then you should use some of his current W2 info to talk to a local loan person and see if perhaps you can qualify for something in your area. NY is a big place so price points will vary wildly, I'm sure. With rates being ultra low right now, your ability to qualify for more house than you might later are good so it's worth considering.
Most loan officers will be happy to give you estimates of your qualifying if you can provide documentation on the details you give them. These are usually done at no cost up front so it's worth looking into.
Hi, This can be tricky, especially in these times. The banks are going to want to see some consistancy in income and work history. Keep this in mind, the banks are investing in your ability to pay back a loan, hence your home is used as colateral. If they aren't confiednt in your ability red flags will go up and they might make you jump through hoops to get the loan if at all. My advice is that you both be on the mortgage because as a team you will stand a much better chance.http://www.ChristopherPagli.com
Legends Realty Group
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