Government Lending Rules vs. Bank Policy?

[Aaron J.]

Hi, my wife and I will soon be looking to get preapproved to buy a home. We just recently moved to a new state and don't have two years employment history here. I am looking for information on employment verification and what the government has to say about it vs. what the bank has to say about it. I'm wanting to know how to decipher between what is government regulation and what is bank policy? 

Currently, I am being told that because my wife is on a part time, temp status without two years history of being with her current employer that we will not be able to qualify for a loan and that this two year rule is a government rule, not a bank rule. I am employed full time but do not make enough to qualify on my own. Could someone point me in the right direction or give me a link to where these government rules are posted?