I think it's time to start looking at hard money, and call your lender back up as soon as your husband has his first paystub in-hand at his new job.You may want to ask your current "soft" money lender to speak with the HML guy and/or maybe even show the actual loan approval, loan application, credit report, etc, so he has assurances that you will be refinancing out of the hard money as soon as husband is back on the job.