Maybe try another lender. I can give you a referral if you email me.
What did your realtor tell you? Where did you find this lender?
It sounds like there is something else going on here. This shouldn't be a problem. If I can be of assistance, please feel free to give me a call or email.
RPM | Los Angeles
Cell: (310) 995-0975
Direct: (310) 574-7766
I think you need to speak with a qualified mortgage broker. Give Precision Mortgage a call and they can help answer some questions for you, as well as hopefully even get you pre-qualified for your upcoming purchase: 800-813-8738.
You can also fill in this contact page and someone will give you a call back asap:
Let me know how else I can be of assistance. Best of luck!