[Annette L]

...mortgage? I have been divorced for one year. My Ex's name is still on the mortgage - I have to have it in my name by July 2010. I can afford to pay the payments without a problem based on support, alimony and 2 part time jobs, plus I am looking for full time. The problem? It seems that the part time job that pays the most may not count because I have only had it for less than one year, the other part time job doesn't pay much, but I have had that for 3 years, and I have been self employed since 2002 but never really made much income from it before the divorce. I will get generous child support and alimony until July 2010, then it drops but I still will get it for another 6 years. I am looking for a full time job, but it sounds like it will not matter because I still can't meet the 2 year threshold in that time. I currently bring in over $65,000 a year, but if the mortgage company looks at support for the next 3 years and the one part time job, it looks like I will only be making $30,000. I really want to keep the house (it was awarded to me in the divorce) and I have over 65% equity in it.I am an RN with a Masters in Health Administration, looking for something suitable full time, but have not worked full time in this field for 10 years. Is there any possibility a company would consider equity and work experience, along with an excellent credit score and grant a mortgage? Are there programs in the near future that may allow me to take over the loan? I am not at all worried about making the payments, and my FICO score is 810 even as a self employed business owner (that is now basically a compensated hobby); as a nurse I could get any job in the field tomorrow if I was forced to, but I have time to find an appropriate career move over the next 18 months. What is my surest strategy to assume this mortgage, or refinance it based on my mixed income streams?