Can I use Washington ESD unemployment income to qualify for a mortgage?

That makes sense about it being temporary. I do have some part-time work income too, maybe that would help strengthen my application.

Yeah, combining it with other income sources definitely improves your chances. Document everything carefully.

That's disappointing but good to know. Did you end up waiting until you found regular employment?

Yeah, I had to wait until I got back to work full-time. It was frustrating but understandable from their perspective.

If you're having trouble reaching Washington ESD, check out claimyr.com - they help people get through to agents. I used them last month and got connected within an hour. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

Thanks! I'll definitely look into that. The wait times have been absolutely ridiculous lately.

That Claimyr service sounds helpful. I might need that too if I have to get official documentation from Washington ESD.

Good point about credit unions. I'll check with mine to see what their policies are.

Credit unions saved my butt when I was in a similar situation. They actually look at your whole financial picture instead of just checking boxes.

I understand the frustration, but from a lending perspective, unemployment benefits have an end date which makes them risky for 30-year mortgages.

yeah i get that but still feels unfair when people are genuinely trying to get back on their feet

The system definitely isn't perfect but there are reasons for these policies.

That's probably the safer route. I'm actively job searching so hopefully won't be on benefits much longer anyway.

Yeah, having a job offer or recent employment history makes everything much smoother in the mortgage process.

Thanks for the insider perspective! What would you recommend as the best approach?

If you must buy now, look into portfolio lenders or credit unions. Otherwise, waiting until you're employed again will give you better rates and more options.

This is really helpful info. Are there any specific portfolio lenders you'd recommend?

Good point about documentation. I should start organizing all my payment records now.

Yeah, lenders want to see explanations for any gaps in employment or irregular income patterns.

I hadn't thought of that option. My parents might be willing to help, though I'd hate to put them at risk.

Co-signing is a big responsibility but it can definitely open doors when traditional qualifying doesn't work.

Just make sure everyone understands the risks involved with co-signing before moving forward.

Interesting idea! I hadn't considered alternative financing options like that.

Just be extra careful with these arrangements and get everything reviewed by a real estate attorney.

Mine is regular unemployment, not standby, but that's good to know there might be different rules for different types of benefits.

Standby is treated more like temporary layoff rather than job loss, so that makes sense they'd view it differently.

You're right, I should definitely get multiple opinions before assuming it's impossible.

Absolutely! I've seen people get approved after being rejected elsewhere. Each lender has their own guidelines.

Plus some lenders specialize in non-traditional income situations and might be more understanding.

Thanks for the warning. I'll definitely be careful about interest rates and terms if I do find a lender willing to work with me.

Yeah, some lenders prey on people in tough situations. Always read the fine print and compare multiple offers.

That's a great point. I'm actively interviewing and should probably wait until I have something more concrete lined up.

Smart thinking. Having a job offer or at least solid prospects will make you a much stronger candidate.

Plus you'll sleep better at night knowing you can actually afford the mortgage payments long-term.