I applied for a mortgage with VeteransUnited XX/XX/XXXX. I provided them with all pertinent information regarding employment etc. They advised me that I was approved for a mortgage loan and provided me with a pre-approval letter. I then found a home and made an offer. During this process I kept in contact with the lender to ensure that there were not going to be any unforseen hurdles. I was continually assured that there were none and that everything was on track. The lender ordered the title work for the property and I had an inspection done on the home. We were set to close XX/XX/XXXX and I had locked the interest rate for the loan. One week prior to close, I received a letter from the lender stating that they were unable to approve my application at this time. Upon contacting VeteransUnited, I was informed that because I did not have 12 continuous months of employment that I did not qualify for a VA loan. I explained to them that the layoff was seasonal and occured every year and that I had contacted the VA who advised that a seasonal layoff is irrelevant regarding obtaining a VA guaranteed loan. I told them that I had paid for the home inspection and had expended a lot of time and energy, not to mention money in faxing them documents and the inspection fee, to which their response was that maybe XX/XX/XXXX of XX/XX/XXXX. However, with another seasonal layoff with that employer inevitable, it is hard to imagine how they would overlook the continuous 12 month employment issue. It was also pointed out that there are several statements on their website regarding employment which boiled down to that all they require is income to satisfy the mortgage payment and normal living expenses. 
