can i be approved for a mortgage

The only way to determine if you qualify for a home loan is to meet with a local licensed loan officer. Give them a full application, and let them review your personal qualification. In your case, you can NOT use the income of someone NOT actually on the loan to help qualify.

to use other applicants income they will need to go on the loan and have lendable credit also.

Hi, You can not use someone's income and them not be on the loan. They do not have to live there but they have to be on the loan. Have you checked with anyone that your income will not qualify? If you would like to discuss further give me a call. Thanks! Michelle 201-962-3555

If an individual is not on the loan, an underwriter will not use their income. That said, you may still qualify. The best thing to do is to contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

Hi Newburgh, NY. We are your local mortgage broker in Fishkill, NY. We can do FHA loans down to a 540 mid score. We also have a program which allows for over 100% financing with a 620 mid score. Call me and I will take your application and provide guidance. ABC 123 Mortgage, Inc., Jeff Mitchell, 845-896-5500 Ext 101.