[nfb-talk] question regarding mortgage loan

[Sean Paul]

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
>>>
>>>
>>>
>>>
>>> _______________________________________________
>>> nfb-talk mailing list
>>> nfb-talk at nfbnet.org
>>> http://nfbnet.org/mailman/listinfo/nfb-talk_nfbnet.org
>>> To unsubscribe, change your list options or get your account info for
>> nfb-talk:
>> http://nfbnet.org/mailman/options/nfb-talk_nfbnet.org/rosekm%40earthlink.net
>>
>> _______________________________________________
>> nfb-talk mailing list
>> nfb-talk at nfbnet.org
>> http://nfbnet.org/mailman/listinfo/nfb-talk_nfbnet.org
>> To unsubscribe, change your list options or get your account info for
>> nfb-talk:
>> http://nfbnet.org/mailman/options/nfb-talk_nfbnet.org/sherriola%40gmail.com
>>
>>
>> _______________________________________________
>> nfb-talk mailing list
>> nfb-talk at nfbnet.org
>> http://nfbnet.org/mailman/listinfo/nfb-talk_nfbnet.org
>> To unsubscribe, change your list options or get your account info for 
>> nfb-talk:
>> http://nfbnet.org/mailman/options/nfb-talk_nfbnet.org/rosekm%40earthlink.net
>
> _______________________________________________
> nfb-talk mailing list
> nfb-talk at nfbnet.org
> http://nfbnet.org/mailman/listinfo/nfb-talk_nfbnet.org
> To unsubscribe, change your list options or get your account info for 
> nfb-talk:
> http://nfbnet.org/mailman/options/nfb-talk_nfbnet.org/newsandtraffic%40aol.com
>