Question for underwriters and lenders

[Jennifer Bailey]

Hi all,

I currently have an offer in for a home. Inspections are all done and was smooth sailing but now our lender is questioning why we don't want to break our lease. We didn't expect to find our home so soon and still have 6 months left on our lease once we close.

We are doing 100% financing with a conventional loan through the credit union and will be owner occupying. I plan to move in asap upon closing. My husband can't get a work transfer for 90 days so might stay at the apt 2 days a week until he's transfered or else it's a 90 mile commute. 

Plus we have to pay closing costs so paying an additional 4k+ to break our lease just isn't reasonable and doesn't make sense. Also want to note the loan is only under my name and I'll be occupying the home upon close. Still waiting to hear back from underwriting. Lender said they may have an issue and want us to do a second home mortgage which we can't do and seems silly as there's not much overlap and only my husband will be staying there for about 90 days. 

I've had a few friends close on a home lately and said they were never questioned about the length of their current lease. Is this normally an issue?