Mortgage lenders for truckers….

Those paystubs show how you are paid.

 

If you have any grief at all, go talk to a couple of mortgage people at local credit unions or small local or regional banks. Another option is Churchill Mortgage.

 

I am a veteran.

I highly recommend you don't use the VA or an internet lender.

You go to your bank. Period.

If you can't do a 20 year mortgage max, keep saving your money.

They also look for a minimum of 2 years with the same employer.
That's the minimum. The longer you've been at the same company, or self employed, same name on your shingle, you'll find it much easier going.
They want stability.

 

You may have to find someone who does manual underwriting. Two years at the same job is not an absolute requirement, but continued employment within an industry for two years is.

 

The bigger problem is the noose that the federal government has around the necks of these lenders. Every time the government gets their regulatory power over an industry..... They eff it all up!

 

Again, you need to sit down with someone and have a discussion. Depending on what price range house you are looking at, someone at a local bank or credit union can make decisions.
The under writing standards are set by the big consolidators (Freddie Mac, VA, FHA, USDA), so they can buy and sell CONFORMING loans, package them in big chunks and deal with them without having to look at each one.

There’s no law that says all mortgages have to be conforming mortgages. If a lender doesn’t plan to sell the loan, they can do whatever is legal under the law. But the only way you can get to someone who can make a judgement call instead of just checking boxes is to SIT DOWN with YOUR local bank and figure things out together. If you know you don’t meet the standards for a conforming loan, then you have to make a deal with someone who can make a non-conforming loan. Calling 30 internet sales dweebs is not going to help. They all run the same software package.

 

The reason you were tuned down the first time wasn't because you earned your income via cpm ... it was because you had no track record proving your ability to earn an income via cpm.

You've mostly solved that issue now. Though the the employment gap could become a hurdle. But, not an insurmountable one.

If I understand what you're saying, your real issue is this is a second home and not your primary residence ... you've now entered the twilight zone.

Don't tell the lender that. This is going to be your new home. You don't have a mortgage on your current home. It will be an easier pill for them to swallow if you say you're going to live in the new home and rent your current residence, than the other way around.

 

I was told on my purchase and refi 12 months later.

2 years at the same job. Low debt to income ratio. NOOOOO purchases till 60 days after close. OR credit inquiries.

I bought new. And refied 12 months later.
Only thing I had was my car loan.