Hi, I am wondering about the underwriting process. I was recently pre approved for a mortgage thru 5/3 bank. I am a 1099 employee. I only have a partial 1099 from last year and pay stubs as far back as they want to ask for, and have been with the company about 1yr 6month. The loan office said because I was a student 14months prior to starting the job it would be ok on my application. My real question is, I know you are supposed to have two years of 1099 filing and am trying to learn if there are any exceptions to this rule or will the underwriter simply shoot me down upon applying? I truly appreciate any help or experience. Thanks.