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120.0pt;mso-layout-grid-align:none;text-autospace:none'><b><span style='color:black'>Subject:<span style='mso-tab-count:1'>                                     </span></span></b><span style='color:black'>Employment History -<span style='mso-spacerun:yes'>  </span>tip of the day<o:p></o:p></span></p> <p class=MsoNormal><o:p>&nbsp;</o:p></p> <p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Cambria","serif"; color:#C00000'>Tip of the day- Employment History<o:p></o:p></span></b></p> <p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Cambria","serif"; color:#C00000'><o:p>&nbsp;</o:p></span></b></p> <p class=MsoNormal style='text-autospace:none'><b><span style='font-size:12.0pt; font-family:"Cambria","serif";color:#C00000'>To be eligible for a mortgage, FHA does not require a minimum length of<o:p></o:p></span></b></p> <p class=MsoNormal style='text-autospace:none'><b><span style='font-size:12.0pt; font-family:"Cambria","serif";color:#C00000'>time that a borrower must have held a position of employment. </span></b><b><i><span style='font-size:12.0pt; font-family:"Cambria","serif";color:red'>However, the<o:p></o:p></span></i></b></p> <p class=MsoNormal style='text-autospace:none'><b><i><span style='font-size: 12.0pt;font-family:"Cambria","serif";color:red'>lender must verify the borrower s employment for the most recent two full<o:p></o:p></span></i></b></p> <p class=MsoNormal style='text-autospace:none'><b><i><span style='font-size: 12.0pt;font-family:"Cambria","serif";color:red'>years</span></i></b><b><span style='font-size:12.0pt;font-family:"Cambria","serif";color:#C00000'>, and the borrower must<o:p></o:p></span></b></p> <p class=MsoNormal style='text-autospace:none'><b><span style='font-size:12.0pt; font-family:SymbolOOEnc;color:#C00000;mso-char-type:symbol;mso-symbol-font-family: SymbolOOEnc'><span style='mso-char-type:symbol;mso-symbol-font-family:SymbolOOEnc'>·ð</span></span></b><b><span style='font-size:12.0pt;font-family:"Cambria","serif";color:#C00000'> explain any gaps in employment that span one or more months, and<o:p></o:p></span></b></p> <p class=MsoNormal style='text-autospace:none'><b><span style='font-size:12.0pt; font-family:SymbolOOEnc;color:#C00000;mso-char-type:symbol;mso-symbol-font-family: SymbolOOEnc'><span style='mso-char-type:symbol;mso-symbol-font-family:SymbolOOEnc'>·ð</span></span></b><b><span style='font-size:12.0pt;font-family:"Cambria","serif";color:#C00000'> indicate if he/she was in school or the military during the most recent two<o:p></o:p></span></b></p> <p class=MsoNormal style='text-autospace:none'><b><span style='font-size:12.0pt; font-family:"Cambria","serif";color:#C00000'>full years, providing evidence supporting this claim, such as<o:p></o:p></span></b></p> <p class=MsoNormal style='text-autospace:none'><b><span style='font-size:12.0pt; font-family:SymbolOOEnc;color:#C00000;mso-char-type:symbol;mso-symbol-font-family: SymbolOOEnc'><span style='mso-char-type:symbol;mso-symbol-font-family:SymbolOOEnc'>-ð</span></span></b><b><span style='font-size:12.0pt;font-family:"Cambria","serif";color:#C00000'> college transcripts, or<o:p></o:p></span></b></p> <p class=MsoNormal><b><span style='font-size:12.0pt;font-family:SymbolOOEnc; color:#C00000;mso-char-type:symbol;mso-symbol-font-family:SymbolOOEnc'><span style='mso-char-type:symbol;mso-symbol-font-family:SymbolOOEnc'>-ð</span></span></b><b><span style='font-size:12.0pt;font-family:"Cambria","serif";color:#C00000'> discharge papers.<o:p></o:p></span></b></p> <p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Cambria","serif"; color:#C00000'><o:p>&nbsp;</o:p></span></b></p> <p class=MsoNormal><o:p>&nbsp;</o:p></p> <p class=MsoNormal><span style='font-size:14.0pt;font-family:"Arial","sans-serif"'>Thank You!<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:14.0pt;font-family:"Harlow Solid Italic"'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal><span style='font-size:14.0pt;font-family:"Harlow Solid Italic"'>Neil Johnson<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Gateway Mortgage Group<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>National TPO Operations Manager<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>4201 N. State Hwy 161<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Irving, TX 75038<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'><a href="mailto:neil.johnson@gatewayloan.com">neil.johnson@gatewayloan.com</a><o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Office: 972-908-3390&nbsp; ext. 118<o:p></o:p></span></p> <p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>fax# 918-858-8392<o:p></o:p></span></p> <p class=MsoNormal><o:p>&nbsp;</o:p></p> </div> </body> </html>