Can I get a mortgage if I am a Pre-Diem Nurse? I have been Pre-Diem for 18 years since I got laid off. I use to be full time then there was a lay off I got hit so went out on Pre-Diem and found that I could make it making my own hours and have done so for the past 18 years. Does that hurt me in the mortgage field and will I pay a higher mortgage rate? Thank you Angela

Angela, It should not impact your qualification negatively as long as your credit scores are good and your are not writing off a lot of income on your tax returns. Set up a meeting with a local mortgage professional to discuss your options. Do make sure they understand the basic concept of your employment. At one time I did a transaction for a person who was a traveling nurse. She works through one agency and traveled all over the country. Getting the underwriter to understand the concept was hilarious (in hind sight only)...they tried to say she worked at 18 different jobs over the course of two years. I got it done, but only after much gnashing of teeth!