Hello, I have been out of work for a year and just started working again as a Pre K teacher making $29k.

You can use your income only. You cannot use your husbands unless you want him on the loan. In this case you would need to make sure that his credit is up to par. It is time to look at the whole picture in order to make a plan. I can help you. email me or call me at your convenience. mhulteen@advisorsmortgage.com or 732-233-9436

Sorry... you can't do what you request. In order to use his income, he MUST also be on the actual loan. Also, if you've been out of work over 6 months, you MUST be back at work at least 6 months before your income qualifies. In Minnesota or Wisconsin, visit www.TwinCityHomeLoans.com

How long ago was the short sale? You will not be able to use his income for the loan until he has completed the waiting period required after a short sale and has repaired his credit.

You will only be able to use your income to qualify now as long as you meet program guidelines. There are other programs available that you may qualify for depending on the circumstances. If you'd like to go over in depth please feel free to call me 201-962-3555

Simply stated, no. If we are going to depend on his income to determine your ability to make the payments, we want to look at both person's track record of of meeting financial obligations.

Most teachers have job contracts, and if that's the case with you, your income should be considered, but unless he can qualify on the loan with you, you wont be able to use his income.. If his short sale was at least 2 years ago, he can purchase now with 20% down, so long as he meets all other qualifications.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Sorry, it does not work that way, but good try. Your best bet is to work on his credit, to get up to at least a 580 mid-fico score. You should then be able to buy on FHA with 3.5% down.