What do you really need?

[Kyle Spinale]

I'm working on getting pre-approved. I talked to a lender and they said I needed two years of income verification. I told them I've been with my current employer for 9 months and they said they wouldn't be able to approve me. However, I left something out when I was talking to them.

I wasn't working for 9 months (before my current job) but before that I was employed somewhere else for 22 months. I have tax returns for the year of 2013-16. 

If I mention that, is there a possibility that I could get pre-approved? Or are they looking for two years of continuous income?

I took nine months off to get back into school. 

[Diane G.]

I had a good laugh at the header of your post... I am sure 3 million other people feel the exact same way when trying to get a loan - what do you really need???