Hi. I will make this short and concise. I have been rebuilding my credit and am now to the point of qualifying for FHA (over 620) and I have the money to make a solid down payment (15% or more) The kicker is my job. I work as an intenerant substitute teacher which simply means I am employed every day of the school year, however the lenders I have talked with say the contract by day or week will not meet standards for a mortgage. I have extra money in the bank and wonder if that would help? I am paying more for rent than I ever would on a mortgage payment and want to own again. Thanks.