No creditor will lend money to a minor because a child lacks the legal capacity to enter into a contract. Do not attempt to subvert the process by using your child's social security number because you would be committing the crime of identity theft.
Ms. Bunce is correct about all of her advice to you.
But you said it will be a while, and I wonder if you know how short that can be. You can generally qualify for an FHA home loan 24 months after the discharge, as long as your credit score is 620 or above. Most consumers will have a credit score above this in less than a year after the discharge.
No, a minor cannot get a loan. Moreover, no one else can "use" your income to qualify for a loan.
The information presented here is general in nature and is not intended, nor should be construed, as legal advice. This posting does not create any attorney-client relationship with the author (who is only admitted to practice law in the State of California). For specific advice about your particular situation, consult your own attorney.
Bad Idea. Not good for you the bank or your son. The bank would not intentionally lend to a minor because minors are not legally able to make binding contracts. If you lied about his age then both of you would be committing a fraud. Best to find an adult who is willing to help you.
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But doesn't he earn good money, himself with a (high-risk) job as a miner, and wouldn't qualification for such a position necessarily imply he's not a minor?
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