My husband and I don’t have combined finances as my credit is far better than his (lots of financial mistakes when he was younger). I was working full time until June of 2025, but due to the nature of my shift work job and being pregnant, I had to step down to part time then I started FMLA in September 2025. Since then, I’ve maintained a part time position. Until this month, I’ve only been working my required 3 shifts a month totaling to about $700 a month due to scheduling conflicts with my husband’s job and childcare. He recently has more “off days” so I’m able to work more. We’d like to purchase a new (to us) car with a loan using my credit (732-740 depending on the bureau), but he’ll be paying the car note. I understand lenders will want to see proof of income from me. How do I navigate this as my recent paystubs don’t reflect “sufficient” income now?
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