Can you buy a house without a job?

[Anonymous]

Bottom line DONT divorce before 10 years. Unless you plan on remarrying. Also dont be the one that leaves.

[Anonymous]

Anonymous wrote:Op, welcome to DCUM where people love to see SAHMs be punished and assume they will live in poverty forever.

When I divorced I was a SAHM for 11 years after working for about 15. 3 children spaced 2-3 years apart.

I was able to get a mortgage with a down payment of $400k and my income was my alimony and child support (and don’t tell me that’s just for children’s school supplies or whatever or I will ask what part of your paycheck goes to just Gymboree) and it was fine.

I got half his retirement, let that grow and will get half his SS.

I was able to SAH for about 3-4 more years and now work full time.

My husband was making ~ 600k throughout the marriage and I’m not hurting for money.

So you’re an adult woman taking half of another adult’s retirement and Social Security? Do you have no pride?

[Anonymous]

It's a shame it's 2020 and people still view SAHMs so poorly.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The bank will look at the actual alimony/child support agreement. You will not be able to obtain a 30 year mortgage if your spousal support is only for five years. The prospect of potentially maybe accessing retirement funds early is not going to alleviate this situation. You need probable income for the length of the mortgage. That means either gainful employment or 30 years of alimony

How do people ever buy houses then? They could lose their job, and people will sell their house before 30 years is up. Is it really expected you'd be living there 30 years?

It's moot anyway because there are no houses for sale in the school district, so then what? Rent a house or apartment? Is a bank statement enough proof if I don't have a job?

Oh, honey.

[Anonymous]

Anonymous wrote:It's a shame it's 2020 and people still view SAHMs so poorly.

Why would people have a better opinion of SAHMs than in previous eras? Women are more likely than ever to be highly educated, accepted into lucrative careers, families are able to use technology to streamline household tasks...

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The bank will look at the actual alimony/child support agreement. You will not be able to obtain a 30 year mortgage if your spousal support is only for five years. The prospect of potentially maybe accessing retirement funds early is not going to alleviate this situation. You need probable income for the length of the mortgage. That means either gainful employment or 30 years of alimony

How do people ever buy houses then? They could lose their job, and people will sell their house before 30 years is up. Is it really expected you'd be living there 30 years?

It's moot anyway because there are no houses for sale in the school district, so then what? Rent a house or apartment? Is a bank statement enough proof if I don't have a job?

Oh, honey.

The OP needs to find a good lawyer instead of asking questions on an anonymous random forum. Sounds like she needs a LOT of help.

[Anonymous]

Anonymous wrote:

Anonymous wrote:It's a shame it's 2020 and people still view SAHMs so poorly.

Why would people have a better opinion of SAHMs than in previous eras? Women are more likely than ever to be highly educated, accepted into lucrative careers, families are able to use technology to streamline household tasks...

+1

SAHMs are a product of a bygone and different era, so it makes complete sense to me.

Clueless women like OP don't help the cause any...

[Anonymous]

Anonymous wrote:

Anonymous wrote:Op, welcome to DCUM where people love to see SAHMs be punished and assume they will live in poverty forever.

When I divorced I was a SAHM for 11 years after working for about 15. 3 children spaced 2-3 years apart.

I was able to get a mortgage with a down payment of $400k and my income was my alimony and child support (and don’t tell me that’s just for children’s school supplies or whatever or I will ask what part of your paycheck goes to just Gymboree) and it was fine.

I got half his retirement, let that grow and will get half his SS.

I was able to SAH for about 3-4 more years and now work full time.

My husband was making ~ 600k throughout the marriage and I’m not hurting for money.

So you’re an adult woman taking half of another adult’s retirement and Social Security? Do you have no pride?

You missed the part where she left the workforce for 11 years to raise his kids.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Op, welcome to DCUM where people love to see SAHMs be punished and assume they will live in poverty forever.

When I divorced I was a SAHM for 11 years after working for about 15. 3 children spaced 2-3 years apart.

I was able to get a mortgage with a down payment of $400k and my income was my alimony and child support (and don’t tell me that’s just for children’s school supplies or whatever or I will ask what part of your paycheck goes to just Gymboree) and it was fine.

I got half his retirement, let that grow and will get half his SS.

I was able to SAH for about 3-4 more years and now work full time.

My husband was making ~ 600k throughout the marriage and I’m not hurting for money.

So you’re an adult woman taking half of another adult’s retirement and Social Security? Do you have no pride?

My ex husband and I are both very proud of all 3 of our children, and grateful for the time I was able to stay home with them when they were babies and toddlers. I personally loved staying home with them and managing our household and letting my husband’s career soar. We were a team then and a team now continuing to co-parent these lovely humans we raised.

[Anonymous]

I don’t get how “taking half of another person’s retirement and SS” is any more horrifying than “taking another person’s money” to take care of their kids, like a nanny or daycare would.

If posters feel that strongly about it they should really band together to get the laws changed.

[Anonymous]

Anonymous wrote:It's a shame it's 2020 and people still view SAHMs so poorly.

Its a shame its 2020 and SAHMs are still acting like its 1920 and they need a husband's support. Women fought long-and-hard for the rights to get out of that drudgery.