can you get a mortgage with only one year of work history?

Yes. You can get a mortgage as a RN with 1 day of work! I'd be happy to help directly! Feel free to apply online now and I can review your file ASAP. Visit www.123LoanYes.com or contact me with any questions. Thank you and good luck!

No worries. As long as you can show that you were in nursing school, you can purchase a home. If you would like me to refer you to a fantastic loan officer in Florida, please let me know. barb.lanis@1amllc.com

In regards to your "household income". This won't matter with an FHA loan, if you want to obtain a mortgage without him included. In regards to a Rural Development loan, you will need to show his income and prove your household income is less than the area limit found at the following link - (http://www.rurdev.usda.gov/hsf-guar_income_limits.html). It would appear that most of Florida has a household income limit of $74,500 for a family of two. If I were working on this loan for you, I would ask for both of your last two years tax return/W2/1099 forms in addition to the last 30 days pay stubs. More may be required based on what is found on these. Additionally, RD will allow you to make subtractions for qualified expenses. Now would be a great time to be consulting with a local, experienced lender that can walk through all of this with you. Most loans that lenders do today, involve layered concerns like you are expressing - so there is no need to worry, just talk to someone and they can lay all of your concerns to rest. It sounds like you may be speaking to a lender already and are having a hard time trusting what they are telling you - if this is true and you are uncomfortable with your current lender - ask your friends, family, co-workers or your Realtor for a referral to someone else. You need to trust who you are working with and you sound quite intuitive - so trust your instants, they will lead you right. = Mike

Yes.. your school becomes part of your work history since you graduated, and it's all considered the same field.. you should be Ok...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. 480-287-5714 WilliamAcres.com

You should have no problem as long as you qualify.

640 is the base line credit score. The rest will be based on your income and expenses. I can give you a price range and loan amount to work with once we know your personal budget and the location of where you are looking!

As long as you can show school transcripts you will be fine. If not you will have to be on the job for 6 months. We do FHA loans down to 580 score.

You should be fine.

Not to worry - you will be OK with the school and work experience together. The best way for find a loan officer is from your Realtor if you have already found one. If not, talk to people at work who have recently purchased a home. Referrals from those you know and trust is always a great way to go.

Yes you can! The key is that you studied in a specialized career and now you are in that role.

Dorey, you shouldn't have a problem with those credit scores. Your next step should be to contact a loan officer that you can trust and can guide you to the best option for your particular needs and circumtances and get you Pre Approved. Then you will know how much home you can afford and you can start the search for your home. I know a very competent Real Estate agent in your area. Let me know if we can help you. We at IMN specialize in FHA, 203K, USDA and VA Loans. You may call me at 786 417 0004 for any questions you may have....

If you can qualify with you income alone you wont need you husband to go on the loan.

You should be fine showing your schooling and work history.

Lenders do a two-year look back. If you've been out of work for more than 6 months, you need to be employed at least 6 months. So, you indicated you've been working 1 year, so you will be fine. Go ahead and contact a local non-bank lender for assistance, and happy house hunting!