Loan Qualification Employment History

[Arthur Voskanyan]

Can I qualify for a conventional loan, or an FHA with an income of $30,000, I have been employed with my employer for 2+years, looking for a lender in CA. I have read numerous articles and forums regarding the income issue. I have 0% DTI and great credit. College student. My main question is; I have read numerous articles say that if you get a second job, it won’t help lenders give you a loan because you have to be employed by both for at-least 2years to have them consider two incomes from both jobs, and must provide 2 years worth of tax returns. I have held the one job for 2 years while going to college, now would like a small mortgage for $270,000. Would I qualify, is there any way to go around the providing two years worth of tax returns. If I have two full time jobs, can I get a loan with maybe a month’s pay-stub with the new job. Will the lenders believe me? I can hold two jobs? Thank you. Arthur Voskanyan