HOPELESS…2/3 work from home policy. Can I even purchase? 2 years with NACA…

Home Forums Purchase Program HOPELESS…2/3 work from home policy. Can I even purchase? 2 years with NACA…

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    Good afternoon all,

    I am hoping to find some solid information regarding my very unique work from home policy. I have a “flexible” work from home policy where I work from home 2/3rds of the time and 1/3rd of the time I am recommended to come to the office. I can go one week a month to work in NY or I can go for 2 weeks every 6 weeks (front and backloading my time), or whatever random combination I desire as long as approximately 7 days a month are in the office. At the beginning of COVID I moved to FL to be with my family and have been here, 100% remote, this whole time. The policy is 2/3rds home, but present practice and leniency is 100%.

    THE ISSUE. I presented this information to my Counselor and in my webfile maybe a year ago, and only within the last couple months has there now been an absolutely standstill to my application. I have been working to buy in FL and plan to go to NY once every 2 months (for a week or so), but Underwriting has now told I need to show 100% remote or I am not able to purchase outside of the 90 or so mile radius given to non-remote buyers. So ultimately I have no clarity on whether I can buy AT ALL, where I can buy IF EVER and it has become the largest stresser of my current life. My Counselor is not sure what to do with me and I can’t seem to get any straight answers.

    I feel utterly hopeless. I have been saving for much longer than needed and submitting countless documents and been submitted to underwriting 3 times now and this is the first time the policy’s breakdown of 2/3 and 1/3 has been flagged as problematic.

    A “higher up” was supposed to be looking at my file to see if there was something that can be done to work with my work from home policy. That was about 2 months ago and I have no updates and am now what seems like lightyears behind square one.

    If anyone has any insight or the name of someone I can contact that has the authority or knowledge to help I would be forever grateful.

    My life is on pause to purchase and has been for a while. I feel like I’m now drowning and it’s getting harder and harder to come up for air in my NACA homebuyers search. Looking for a lifeline ASAP.


    Hello tkansley,

    Why hasn’t your supervisor simply written a letter stating that you are being given an expemtion from the 2/3 home policy for the foreseeable future? That should be all you need.

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