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Can I ask my son SSI Fine “as part of my income when applying for a mortgage?

Application process for a mortgage and I asked my step-son who is a part of my income on SSI benefits. I am not their legal guardian, but their contributions go to the joint account I share with my mother. We file a joint income tax return every year. Lenders consider the SSI portion of my income? Without him, my background debt / income ratio is over 41%, which is the maximum VA loan. Does anyone have insight from professionals on how it works? Does anyone know from personal experience, or are you just speculating?

Step by step, what is the process of… Do you get the loan first, than talk to realtors? Or pick a home you want, than talk to your bank? My husband and I are 22 and all of this is very new (and…
Step by step, what is the process of… Do you get the loan first, than talk to realtors? Or pick a home you want, than talk to your bank? My husband and I are 22 and all of this is very new (and…
Rental Verification I just wanted to know if anyone knows at what point in the mortgage process do they verify rent? My application has passed through automated, been looked at by my LO and his supervisor and…
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