Under which of the following circumstances is a mortgage loan officer permitted to inquire about alimony, child support, or separate maintenance income as a basis for obtaining credit?

This situation does not permit inquiry as it relates to payments that are overdue rather than income that is currently being received. The loan officer cannot consider arrears as reliable income for qualifying purposes, as such payments are not guaranteed.

While receiving alimony may be relevant, this choice does not encompass the specific allowance for inquiring about income as a basis for obtaining credit. The criteria focus on the applicant's reliance on the income to qualify, rather than merely the amount of income received.

Listing this income on a previous application does not grant permission to inquire about it for a new loan. Each application must be assessed independently, and the current relevance of the income to the applicant's financial situation is what matters most.