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Will I get a better mortgage rate if my boyfriend and I report his 2nd income? When we were pre-approved (6 months ago) we both had full time jobs but very recently he has gotten a 2nd full time job (I know, he's crazy but he loves his work). I still have my job of course. Our debt-to-income ratio should be even better so am I right in assuming our rate will be better as well?
in very few situations, there is a benefit to have a lower debt ratio.
but, 2nd income will likely be disallowed due to the length of employment on the 2nd job
What if it was a part-time job for over a year? It became full time last month. AND actually he's been with them since 2006. Here's the whole scenario:
It was his first job out of college (company A), he worked there for a year, but got a better job and higher pay at his current full time (company B), but company A didn't want to let him go, so company A kept him on part time and have now asked he work full time...so he has 2 full time jobs.
Company A of course understands that B is his priority and they basically agreed to his conditions of full time.
just re-read your comment and noticed you already pointed out that it's a benefit "in very few situations"
thank you for your quick reply. I'm just hoping for the best scenario and overthinking things.