I learned something new today that I thought I would pass on to others. If one of the buyers is on maternity leave, there are some lenders who will not count that person's income when it comes to qualifying for a loan. The apparent rationale is that there is a probability that after having a baby, the mother might end up not returning to work and hence, will not have that income any more to help pay for the mortgage. Just something to keep in mind if you (or a client) are getting ready to have a baby and buy a home around the same time. Not sure if this applies to all areas and lenders, so be sure to check with your loan agent or mortgage broker.