Zillow Advice: Approval Process - how do my husband and i get a mortgage with a single income that is commission based? http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ Zillow Advice | Zillow Real Estate Have you considered a state ... http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ Have you considered a state income loan? These types of loan do not require actual income verification through taxes. Instead it looks at your past 12 months bank statements in order to verify your income. This may be a good route you should consider as long as you have a good sized down payment that this type of loan requires. Either way,&nbsp;the best thing for you to do right now is to speak with a lender to see if you can get started on financing a new home. There are lenders like myself that would be glad to speak with you to help you get the loan that you need. Well I hope this helps! If you have any further questions or if you would like a loan, feel free to contact me!&nbsp;<br/><br/>Good Luck! Mon, 30 Dec 2013 21:34:00 GMT http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ 2013-12-30T21:34:00Z As long as he filed US taxes, ... http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ As long as he filed US taxes, you shouldn't have a problem. One thing you may run into though is your husband may have to be at his new job for a certain amount of time and they will calculate the commission income off his new position only. This will depend on your Underwriter and the lender's overlays. I would ask your Loan Officer this sooner than later as to how the Underwriter will calculate income. Mon, 30 Dec 2013 02:59:00 GMT http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ 2013-12-30T02:59:00Z You should be able to get ... http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ You should be able to get approved, but it would be subject to you providing the W-2's and filing your taxes. Since it's already 12/29, that shouldn't delay you too much, assuming his employer doesn't wait until the last moment to provide the W-2's. I would just be completely ready with the taxes, minus the W-2's, and file right away once received. Sun, 29 Dec 2013 20:16:00 GMT http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ 2013-12-29T20:16:00Z It's a job in the same field ... http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ It's a job in the same field and basically the same position, only instead of an independent rep he is an employee. we have yet to receive our w-2 forms from 2013, the mortgage broker we've been working with requires our 2013 taxes to move forward. I was hoping to get approved sooner than later though.<br/>thanks... Sat, 28 Dec 2013 21:27:00 GMT http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ 2013-12-28T21:27:00Z W-2? Did he get a job in ... http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ W-2? Did he get a job in the same field? Same position? Sat, 28 Dec 2013 21:20:00 GMT http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ 2013-12-28T21:20:00Z What did your husband document ... http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ What did your husband document on his US tax returns if he had a Canadian employer but lived (I'm assuming?) in Denver? <br/> Sat, 28 Dec 2013 20:37:00 GMT http://www.zillow.com/advice-thread/how-do-my-husband-and-i-get-a-mortgage-with-a-single-income-that-is-commission-based/522646/ 2013-12-28T20:37:00Z