Earn medical Discounts on Your Home Purchase.

We speak to this in our training as to how different pay types are looked at.  This will be up to your lender to approve with you.  Generally speaking you will need 1 to 2 years of proof receiving the different pay types to count them.  This will depend on your loan type and qualifications, which you lender will review with you.

This answer can vary depending on your loan type and your lender will review this with you. Generally-  If your loans are in deferrement, depending on the loan type, your lender will calculate a propsed payment based on a percentgage of your outstanding balance. If you have a payment plan, please let your lender know this as well as it does not always show on your credit report. 

Potentially.  You will certainly qualify as a Frontline Home Student for the education.  Your lender will have to review your income; Where it is sourced from aka agency vs individual contract work.  They will also want to know how long you’ve been doing work as a traveling worker.  How they calculate your pay depends on the type of loan you are trying to qualify for.

Yes, if you work for a medical providor or at a medical care facility and can show proof of employment, you will still qualify for the Frontline Homes Credit. We’ve accepted everything from custodial staff and reception through CNAs, RN,s and Physicians.  Please reach out to us if you are unsure or have questions.  

You can look to buy now! As long as it is a full-time offer letter, your lender can qualify your income before you even start your new job!

We will want to rely on your lender to give final approval, but most loan types do allow you to use the income from a fulltime job you’ve started.  Some will allow you to count the income right away, while others will require time on the job.  It will depend on the type of loan.  In many cases, our Frontline Students can use their first job to qualify right out of school because your lender can also count your years of schooling towards your employment history as long as your schooling is relevant to your current position.

Yes, but we need to see proof of employment which could include pay statements from the state or the registered name of your self employed business.

Frontline worker, our educational content is always available and free to you. However, in order to receive the big ol’ homebuyer credit that is available, you will need to use both our approved/paired Realtors and Lenders. WHY?? These partners receive special training and have committed to giving back to Frontline homebuyers. Credits that you receive at closing come directly from our Frontline Homes certified partners, we cannot offer the same benefits to those homebuyers that choose to use other realtors and/or lenders. If you really think your cousin that just got her Realtors license is going to do a better job, then ask her to put her money where her mouth is and match the credit that our professionals do… We like to think of it as not just pandering to folks, but making our professionals truly step up when it matters.