[nfb-talk] question regarding mortgage loan

[Sherry Gomes]

Thank you so much. It doesn't seem right that they can ask for verification
of three years of disability when they don't ask an employer to verify three
more years of employment.



-----Original Message-----
From: nfb-talk [mailto:nfb-talk-bounces at nfbnet.org] On Behalf Of Sean Paul
Sent: Wednesday, August 07, 2013 1:22 PM
To: NFB Talk Mailing List
Subject: Re: [nfb-talk] question regarding mortgage loan

I have put my reporter hat on & reached out to a mortgage underwriter as 
well as an attorney in hopes of finding the answers you are seeking.
----- Original Message ----- 
From: "Karen Rose" <rosekm at earthlink.net>
To: "NFB Talk Mailing List" <nfb-talk at nfbnet.org>
Cc: "NFB Talk Mailing List" <nfb-talk at nfbnet.org>
Sent: Wednesday, August 07, 2013 15:12
Subject: Re: [nfb-talk] question regarding mortgage loan


> Do you need to use the social security part of your income in order to 
> qualify. If not then why not just use your business income and then they 
> will need no info whatsoever about whether or not you even have a 
> disability. Karen
>
> Sent from my iPhone
>
> On Aug 7, 2013, at 12:10 PM, "Sherry Gomes" <sherriola at gmail.com> wrote:
>
>> Because we've met in person. well, the person handling my loan process 
>> and I
>> are acquainted. and the underwriter, the one asking for the disability
>> verification, knows that part of my income is SDI.
>>
>>
>> -----Original Message-----
>> From: nfb-talk [mailto:nfb-talk-bounces at nfbnet.org] On Behalf Of Karen 
>> Rose
>> Sent: Wednesday, August 07, 2013 1:07 PM
>> To: NFB Talk Mailing List
>> Cc: NFB talk list
>> Subject: Re: [nfb-talk] question regarding mortgage loan
>>
>> Congratulations on buying your first house. Why on earth would they even
>> know if you have a disability or not. Karen
>>
>> Sent from my iPhone
>>
>> On Aug 7, 2013, at 11:44 AM, "Sherry Gomes" <sherriola at gmail.com> wrote:
>>
>>> hi all,
>>>
>>> I'm in the process of trying to buy my own very first owned home. I'm 
>>> 55,
>>> and I've rented all my adult life. The person who has been working with 
>>> me
>>> on getting my loan processed emailed me today to say that the loan
>>> underwriter wants a document from a doctor verifying that I will still
>> have
>>> my disabilities for the next three years. I work--am self-employed--and 
>>> I
>>> get some SSDI. this requirement does not seem fair to me. after all, 
>>> they
>>> can't ask a person without a disability to get their employer to verify
>> that
>>> they will be employed for the next three years. and in my case, they
>> aren't
>>> even asking me to get the company for which I contract to verify I'll
>> still
>>> have my contract in three years. Are they allowed to ask for such
>>> verification? When I keep questioning this, they tell me they can'[t
>> refuse
>>> the loan on the basis of my disabilities, but that they can ask for this
>>> verification from my doctor. It doesn't seem right.
>>>
>>> Sherry
>>>
>>>
>>>
>>> So hold this moment fast,
>>> And live and love as hard as you know how,
>>> And make this moment last,
>>> Because the best of times is now.
>>> --La cage aux Folles
>>>
>>>
>>>
>>>
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