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Post Info TOPIC: Can I get a mortgage on my own?


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Can I get a mortgage on my own?
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Can I get a mortgage on my own?

My husband and I got married last year. I am wondering two things 1. Can we file taxes jointly (I have a w2 job, he has unemployment income, & business deductions for start up expenses) while I apply for a mortgage on my own? We do not have any joint accounts. Would it be best to file married but separate?
2. I just got my real estate license (Jan 2022). I am wondering how soon I would be able to use my commissions for mortgage qualification? Should I keep this income completely separate from my account where my w2 income goes?



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It's cool. Can you tell us more?



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I work at Mortgage Advice Bristol and I want to tell you that it is best before taking out any loan or mortgage to contact financial advisors who will provide you with information on this topic so that you know how to arrange everything correctly. At first glance, your question seems simple and the answer lies in the fact that you need to get a mortgage loan yourself, without the participation of your husband

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I recommend considering all possible things before taking a loan on your name. Consult with parents or siblings in the first place. Please take into consideration possible risks, my friend. This is not a joke. When I needed a loan for a house, only one place at Mortgage Broker Huddersfield shared a proper consultation and opened my eyes to all pluses and minus I could face in the future. Because of their honesty, I accepted one of their offerings, and that plan suited me very nicely. Time passed, and I’m still happy with my choice.



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Congrats on your recent marriage and your real estate license. As for your questions, yes, you can file taxes jointly and apply for a mortgage independently. However, remember that the lender will still consider your husband's income and debts when deciding on the loan amount. Regarding your real estate commissions, it's best to talk to a Mortgage Broker in Wolverhampton to get a clearer idea of how soon you can use them for mortgage qualification. They can also advise you on whether keeping your commission income separate from your other income is better. Overall, it's essential to be transparent with your lender and provide all the necessary documentation to make the mortgage process as smooth as possible.



-- Edited by ganesgupta on Tuesday 9th of May 2023 02:41:35 PM

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Yes, it is possible to get a mortgage on your own. Many people secure mortgages without a co-borrower or guarantor. However, the approval of a mortgage application depends on several factors, including your creditworthiness, income, employment stability, and the lender's specific requirements.

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Congratulation happy married life. for mortgage many broker available in the market but no will tell you about fee free mortgage broker and never charge for giving proper guidance.



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