VA loan underwriting in Ohio

[Rachel Lambert]

OK. I will make a very long story as short as I can. 

Fiancee and I are trying to buy a house. His name will be the one on the loan because he is the Veteran. We began process last October. Went to our local bank and his mid credit score was 619. System automatically rejected app. Mortgage guy told him that if he sold his car, it would take care of DTI and raise credit score. It took care of DTI, but dropped score 92 points. (It was a $50,000 line that had closed)

Finally, found a company that stated they could help out. Went through all processes, got all inspections, etc. They pulled the credit 2 days before closing. Showed student loans were in dispute (do not know how) and they had to wait 7 days to re-pull score. Well, ended up pulling it 5 times and then said that they could not help because credit score had gone down to mid score of 598. Their requirement was 600. This full process took over a month. 

Called around. Found Mortgage company that deals with low credit scores. Gave them everything. Now, because they want to show consistency in OT, the underwriter is asking for 2 full years of pay stubs. This is 52 pay stubs to show exactly how much OT was received in 2014 and 2015. Wouldn't the last pay stub of 2014 and 2015  show this? It breaks down what was received in OT and base hours/pay. Also, the last pay stub of the year reflects what is on the W2's (without the breakdown though). Wouldn't this be sufficient?

I need advice. The seller of the house is getting very impatient and we don't want to lose out.