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Is there a way to buy being a new 1099 employee?

I’ve had my heart set on buying in 2024 for years now, my lease is up in April so my husband and I spoke with the bank about pre approval today. We got flat out denied. For background, he’s a veteran and came home from deployment in April, he’s been waiting for his electrical apprenticeship to put him on a job site so he doesn’t have much income to prove for the last 6 months. I just switched from a W2 to 1099 employer in August, I didn’t realize this would void my proof of income entirely until I’ve been 1099 for two years. Either way the pay increase was too good for me not to take the opportunity. We were planning to use his VA loan combined with my income history to get approved, we both have good credit, but had the sad dose of reality hit today that it’s no longer possible. Is there anyway around this? I know things don’t always go according to plan but Ive worked so hard to get financially stable, support us, and was really hoping to be in a house and getting ready to start a family before I turn 31, I’m pretty heartbroken over it.

submitted by /u/Rottenbones__
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source https://www.reddit.com/r/RealEstate/comments/1756oi8/is_there_a_way_to_buy_being_a_new_1099_employee/
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