Here’s something most people have no idea about — and it can make a huge difference when you’re trying to qualify for a mortgage:

Some lenders actually allow us to use contributory income to help boost your qualification.

If you have adult kids living at home, a family member who contributes regularly, or someone helping with household costs, that income isn’t always ignored. With certain lenders, it can be used to strengthen your application.

Here’s the exciting part

One of our lenders will allow up to $1,200 per month of contributory income to be included when qualifying.

And that extra amount?
It can increase your borrowing power by as much as $62,000.

That’s not a small difference — that’s the difference between:

• getting the home you really want vs. settling for something smaller
• qualifying for a purchase you didn’t think was possible
• or simply having more flexibility in your budget

So maybe having those kids still living at home will pay off after all?

If someone in your household contributes to the monthly expenses, this could be a game-changing option you never knew existed.

Every lender has different rules and policies, which is why working with a mortgage agent matters — we know which lenders offer programs like this, how they work, and how to position your file to benefit from them.

If you’re close to qualifying but not quite there, or if you want to explore every option available, contributory income might be the missing piece.

Curious whether this could help you?
Just reach out — I’m happy to take a look and see what’s possible.