Kay98

He is commission but he does have a base pay… I’m not sure if that’ll make a difference. Maybe lenders think he’s ONLY commission without base pay. I don’t know.. But I heard some cases where they’ll put your partner there even if they don’t have a 2 year work history. But yeah, his credit in the U.S. hasn’t been a year just yet (I think).

Hi! He has good credit now. It’s just the 2 year history and commission that is causing us issues.

I heard some people didn’t even have to have a 2 year history and they were still able to have their income with their partners. I talked to 3 lenders. 2 of them said they won’t use him and then I talked to this one girl and she said if everything checks out, she’ll move add his income at the 6th month mark. But also, my bank (which is a credit union), has lenders that can hopefully help me out. I hate how strict the housing rules are. Nobody can afford anything with 1 income.

Huh, okay. I was just curious! My husband moved here Jan. 2023 and we had to wait for his work visa to get approved so they took awhile. Just sucks they want a 2 year history. Like, we want to start our family and be on our own but it’s so hard when loan officers don’t wanna help. I wish they would take consideration of job history from their home country so it can be used in the country that they moved to. Now that he got approved for his conditional green card, it’s less stressful but we still struggling. Wish there was programs to help us out cause I don’t think many loan officers know much about immigration stuff.

Did they have a commission job?

So my husband has been here a little over a year in the U.S (he’s from Canada). He got approved for his green card but we don’t have it yet. But here is the situation…. How did everyone go with trying to get a house loan? Let me explain… Obviously I have a work history but with my husband, all his work history is in Canada and he has been at his job in the U.S. for almost 6 months but it’s commission. Loan officers keep telling me that they can only use my income and won’t use his due to the lack of 2 year history. Is there any advice that helped you get a house loan with both incomes even if they don’t have a 2 year work history and they are on commission? With me alone, it seems like nobody wants to help me.. Thank you in advance.

Thank you! (:

I feel like my husband and I can finally breathe. After working with immigration since 2019 and it now being 2024, my husband got his conditional green card. Of course, we still got awhile until he can get his official green card.. but, we’re so blessed to have each other and finally see the light at the end of the tunnel. I’m just so happy.