[OSUBUCK0922]

Based on my current gross monthly income I meet all the qualifications for the modification. I am the only borrower on the mortgage. However, since I closed on my note I have gotten married. My wife does have a job and even with both of our incomes we struggle b/c of other debt. I'm afraid that if they require her income information we will not qualify for the modification. She is absolutely NOT on the mortgage. Her income & credit were NOT used to get this mortgage nor did she sign any paperwork at the closing. Does anyone know if they will require her info when I call to do this????I should clarify here. I am not getting a NEW mortgage. I am trying to get it modified based on the fact that I pay more than 31% of my gross monthly income to my mortgage. I have never ever been late and have no plans to be late with my payments. And you are qualified for the modificiation even if you pay and are not behind in pyts.

[Komaraconsulting]

You can report her income but dont report any of her debt. The only people they will pull credit for are the people on the loan. The bank doesnt care where you get your monthly income as long as it is legal and you prove it on paper.