<prompt> Human: Hi Everyone -Im a first time home buyer. I talked to a mortgage guy, came up with a plan to have 3.5 down on a house through an FHA program, and thought all was fine and good. Turns out since Im a contracted web developer through a talent agency, Im considered a temp by underwriting software. My mortgage guy tried to get me approved for three different programs but at this point theyre saying Sorry. you need at least 2 years as a contractor. This is frustrating, sure, but this compounded by the fact that this is a private sale by owner friends of mine and I thought we were going to have this wrapped up by October. Im hoping this is the right spot for this, particularly since the subs Ive seen for mortgages were extremely inactive. What other programs are out there? What should I be looking into? I want to try and get something done, but its looking really hopeless. EDIT: Going to add some details. 160k home, seller adding 4950 in seller concessions for closing costs. 5-6k on hand available immediately for the downpayment. March when Im hoping to be DONE Ill have 8k. My credit is hovering around 700. Getting dinged by quicken repeatedly hasnt helped a ton though. 5 revolving debt. First time home purchase. Have been in this job since May 2017. Six month contract, and was renewed through May 2018.  <response>: You dont want an FHA mortgage anyway. Talking to a mortgage person is actually probably not the best idea. You can use a broker later on to shop for rates, but you want to know what type of mortgage you want before talking to them conventional, 15 or 30 year term, preferably 20 down.Your work situation is indeed considered temporary. Moving to a full-time, non-contract position would help, but many lenders want to see evidence of steady employment regardless. 