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How can wife and me get prequalified on mortgage When she does not have a job in the state we're mov

Moving from New York to Florida house on market I am on Social Security Disability wife works full time in New York having trouble getting Pre qualified because wife does not have a job in Florida They can only go on my end, which is 25000 Does anyone know how I can get wife prequalified up in New York to take pre qualification with us to Florida
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September 17 2013 - Buffalo
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With an employment letter from a new job in FL. and at least one pay stub prior to closing you will be able to use her income.
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September 18 2013
I do a lot of relo's and our guidelines are, if you have an offer letter from your new job, and will receive a paystub before your first payment and 3 months reserves after you close then it can be done.  You will need to look around to see who can assist you in Florida, as I am not licensed there.  Don't stop looking just because you hear a couple no's because every lender will have different guidelines.  Good Luck! 
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September 18 2013
Most situations I have seen like this require 30 days of paystubs at the new employer :-/
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September 18 2013
If she has an offer letter from her new employer in FL you should be able to get a pre-approval. Call some local FL lenders and see if they have the program that allows for only an offer letter to get pre-qualified. 
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September 17 2013
One way a lender like myself may be able to approve you is if your wife has an offer letter from her employer that she can show your lender. If not, then it will be a tougher situation. Then, I would suggest buying the house as a second home property and then moving. The problem with this is buying second home properties can require a higher interest rate and down payment, so I suggest the first method I listed.

Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me.

Good Luck!
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September 17 2013

All our lenders require a verification of employment to be done two days prior to closing. Unless she can work from home in Florida and still be employed by her current employer in New York, I know no lender that will do what you are asking.

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September 17 2013
Most banks will require her first paystub at the new job prior to closing if you plan to use her income for qualifying. It wouldn't make sense to qualify the two of you based on an income she will no longer have once you move.
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September 17 2013
 
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