How long do I have to be working to apply for a loan?

Q: I recently moved from Chicago to Tucson. I would like to know how long I have to be working to apply for a loan. I have a down payment. My mom is moving to Tucson in a few months to live with me. May I use her income to purchase home or should I wait? I also had a bankruptcy discharged in 2010. Please let me know what are the proper steps to take or what do I need to do to get on track to purchasing a home here in Tucson.

A: Your total job history is only one of the many items reviewed when applying for a loan.  For example, if you have been in school prior, we use that as history.  Every person’s situation is unique and the loan application and underwriting is based on individual situations.  Your best next step is to go online at and fill out an application, or contact one of our Mortgage Consultants in any of our locations.  They will go through your individual situation and based on that, will be able to tell you what you need to do in order to qualify to purchase.

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