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can I get a home loan with being a work for a month after being laid off for 15month due to a on the job injury.

by peachescre12923 from Fayetteville, North Carolina. Sep 17th 2014 Reply


There may be options based on the circumstances. Give me a call at 919.594.6905

Sep 17th 2014
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Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,848 contributions

Unfortunately, NO. If you have been out of work for more than 6 months, you must be back at work for at least 6 months. That assumes the job is hourly or salary. Self-employed, commissions type jobs require you to be there 2 years. Lending in WI, SD, and MN - www.Mortgage-Duluth.com

Sep 18th 2014
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Kenneth Kopper (KenKopper)
#19 ranked lender in Maryland - 542 contributions

I would say that given you were actually on long term disability rather than "laid off" that there is a chance you could be approved for a mortgage loan. That being said I would look to work with a lender who can get your file reviewed by an underwriter prior to putting any offers in on properties so that you can feel confident that employment history does not create a roadlblock for a loan approval.

Sep 18th 2014
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Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,848 contributions

If you went back to the same job at the same company... Then you should be OK.

Sep 18th 2014
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