[nfb-talk] question regarding mortgage loan

[Karen Rose]

Sent from my iPhone

On Aug 7, 2013, at 12:26 PM, "Mike Freeman" <k7uij at panix.com> wrote:

> Sherry:
> 
> Au contraire: they *can* ask your employer to verify your current income
> though probably not income for the next three years. What I suspect you're
> running into is that they cannot conceive of a situation (being unfamiliar
> with SSDI) wherein your income is guaranteed. You'd have much the same
> problem were you in business for yourself.
> 
> Mike Freeman
> 
> 
> -----Original Message-----
> From: nfb-talk [mailto:nfb-talk-bounces at nfbnet.org] On Behalf Of Sherry
> Gomes
> Sent: Wednesday, August 07, 2013 11:44 AM
> To: NFB talk list
> Subject: [nfb-talk] question regarding mortgage loan
> 
> 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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