Credit, landlord history, criminal history and employment are critical.

1099 income is self employment, meaning your claimed income will be ignored by any traditional mortgage lender (no, issuing yourself paystubs or showing bank statements will not work), and we are forced to just go off of what your tax returns say.

If not an employee, an uninsured subcontractor.In OH, the employer is responsible for buying the insurance coverage directly from the state.  

You should have seen her bank statement, ID, called the employer's number listed in their  website, seen old apartment to check out the story.

I am married with four children and I'm employed as a registered nurse.

To help us adhere to the highest standards, we employ an exhaustive investigative process for each applicant.

I hate to sound greedy, but as the song goes, ‘there’s no romance without financeâ€.To make things easier and so that I don’t miss anything, I like to use an interview sheet that asks the following questions [lets assume we're dealing with the johnsons as the buyers]: ------------------------------------------------------------------------------------------CLIENT INTERVIEW[In this section I’m trying to find out who they are and how to reach them]Name: James & Jenna JohnsonPhone: 678-555-5542Email: [email protected][Here I am looking to see if they are employed and the type of work they do.

Hard to lose with todays prices and interest rates.What is your current full time employment?

That would indicate to me that investing is a low priority since your income level is not very high indicating you should be able to be mobile employment wise.

The 2 years of work history requirement is misunderstood quite a bit because it mainly applies to variable types of income such as self-employment, large commission income, bonus income, etc.