My wife and I are both not working; I tried to do a refi to take advantage of the lower rates and was told by Wells Fargo Bank that it was Fanny/Freddy rules that required people to be working to qualify for a mortgage. Recommend you talk to a mortgage lender - a few weeks ago that banker told me something that turned out to be incorrect.
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Da Chicago So Side; The Village of Park Forest, IL; 3/7 Cav, 3rd Inf Div, Schweinfurt, Ger 65-66; MACV J12 Saigon 66-67; San Leandro, Hayward & Union City, CA (San Francisco East Bay Area) GO DUBS ! (aka W's)
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