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Allow me to clarify: 1.Your 1099 jobs in 2013 are side line same type of work as the State run job2.Your 2012 and 2011 federal returns don't show the 10993.Your income decreased from the State run job- BUT-- did the hours decrease as well?File your 2013 electronically with all the income - lender will likely not be able to pull a 4506Tin the upcoming weeks showing it but they mayprovide lender with EVERYTHING todayTake all your pdf files including the Full credit report, current bank, and paystubs to another mortgage banker that you can sit in front of and talk. Do not have the second lender pull your credit! You need a backup deal -someone seasoned, smart and local. I suggest you do not go to a bank.A "State Owned" employer may not write you any letters. Lenders will request a Verification of Employment and the status change will show.Meanwhile- Can you get gift money from family if your ratios are now out of wack?Be careful about your FICO score-- do a Federal "opt out" don't shop for anything or give anyone your social (no new inquiries)Go back to boss and ask to be returned to full time status.I wish you happiness in your new home.
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For Sale: $169,900
For Sale: $499,000
For Sale: $399,900