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Could the loan officer deny me even if I have the money as a first time home buyer?
I've been a mortgage broker for almost 20 years.  I get people loans all of the time thru FHA and Conventional (Fannie Mae) with just one year work history; however, as a student, you must submit your school transcripts and your major needs to be in line with your current job.  I'm closing a guy next week that has only been in his job for 8 months but he just graduated with his Masters in Biology.  He's currently a wild life manager and the underwriter signed off on it easily.