Both of them work for the same employer, a federal agency that won't even verify that they are employed there unless we go through a lengthy and invasive verification process ourselves.

Interest rates, stock prices, employment and real estate seem to be closely tied together and if you ask me stocks are currently artificially inflated by money being printed like crazy, while wages have not kept up with the rising cost of living (including real estate).  

You are a W-2 wage earner, steady income and not self employed) then I've had good luck with Wells Fargo, B of A and US Bank in terms of great rates and good processing/approval times that allow me to close escrow quickly which can help you look more attractive to sellers.

@Wade Sikkink I once received an employment application from [email protected] {or [email protected] ...

( unfortunately many tenants in america fall into this category- so i understand you but you are a landlord and you look from the landlord's perspective....want it or not), other reasons are illness, divorce, chemical adictions, loss of employment due to ****** economy, e.t.c. to name just few..........ohio is particularily affected with high unemployment rate.

I offer a no income/asset/employment/no FICO/no down payment program based upon a 7 YR ARM in certain parts of FL that might be of interest to you.Regards,Scott Miller

Kinda like that website where you can rate your teachers, doctors, employers etc...

The way underwriters look at Stated Income is it should be used for someone that is self employed, not someone that is a salaried employee.

Employers HATE hiring business owners.

We do not let many people in and employers will confirm that they need the staff.If there was a worker program that let people work for up to 6 years many of the folks who arrive illegally would quickly sign up, pay taxes and other such things.