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To all the mortgage (VA) experts out there:
I'm a physician who will be finishing training this year. To those who are not familiar with residency pay physicians typically earn around $45-50k each year while in training. Same applies to me but in 2008 I took home about $95k (which includes moonlighting).
I will be taking a federal physician (public health) job with a starting salary of $145k (sounds like a lot but less than the private sector). I have a contract from the federal agency that states this salary explicitly.
Problem is I will be relocating to a new area and would like to qualify for a $400k mortgage. My new salary will support this (i.e. with respect to debt/income) but my current salary/tax returns will not support this.
Will a lender approve me based on my new (contracted) salary? I really don't want to move into an apartment for two months just to get a couple "paystubs" showing the higher salary.
Thanks for any help.
Hi NewVAloan,
In the "and a few others" category that Shane mentioned above,
try doing a pull in Yahoo! or Google for "physicianloans". No space
between words...all one word. I think you'll be very pleased with
what you find.
Good luck to you!!!
CanDo
"The right attitude is everything"