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Understanding Seasonal Income Mortgage
Seasonal workers face unique challenges when applying for a mortgage. Traditional lenders often require a steady, predictable income stream, which can be difficult for individuals who earn their income in concentrated periods. However, there are solutions available that can help mitigate these challenges. By working with a lender that understands the unique needs of seasonal workers, individuals can gain access to specialized loan programs and expert guidance to help them navigate the mortgage application process.
Averaging income over 12-24 months can help seasonal workers qualify for a mortgage
How NMHL Helps
Proven solutions for seasonal income mortgage
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Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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Frequently Asked Questions
The Seasonal Income Mortgage Program is designed to help seasonal workers qualify for a mortgage by averaging their income over 12-24 months. This program takes into account the unique income fluctuations of seasonal workers and provides a more flexible approach to income verification.
To qualify for the Seasonal Income Mortgage Program, you will need to provide documentation of your income over the past 12-24 months. This can include tax returns, W-2 forms, and other financial documents. Our loan officers will work with you to evaluate your financial situation and determine if you qualify for the program.
NMHL has over 25 years of experience helping borrowers with unique financial situations. Our loan officers are experts in seasonal income mortgage solutions and can provide personalized guidance and support throughout the mortgage application process. Additionally, we offer competitive interest rates and flexible loan programs to help you achieve your financial goals.
The pre-approval process typically takes 24-48 hours and can be completed online or over the phone. Our loan officers will work with you to evaluate your financial situation and provide a personalized pre-approval letter outlining the loan amount and interest rate you qualify for.
The documents required for the mortgage application process will vary depending on your individual situation. However, common documents include tax returns, W-2 forms, pay stubs, and bank statements. Our loan officers will work with you to determine which documents are required and provide guidance on how to obtain them.
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