[doh742]

I am a mortgage loan officer for a large american bank. You will need to look for what is called a state income or no income no asset loan. The interest rates and closing costs will be higher. In addition, these loans are credit score driven and you will need a good credit history. With out a good credit history you are looking at sub-prime loans with much higher interest rates. As far as using you income as a poker player, you would need a two year history with tax returns to prove the winnings. However, if you deducted losses, you still wouldn't have any income. Further, most banks probably would accept gambling income as income.

You should focus on establishing credit history first. I think you may be looking to buy too soon. I would advise you if you were my client to get a couple credit cards, a car loan or a line of credit first, build a credit history and then buy your home.

OF course, Canadian lending will be governed by different guidelines, but it should be similiar.