Lenders consdier three things: Income, Assests and Credit Scores. All three are important.
Your income taxes are important to indicate income, your bank statements, as well as things like a copy of any stock or retirement accounts will address the Assests and any lender will want to pull a what's referred to a tri-merged credit report.
Not all lenders are a good fit for every buyer and perhaps you need to speak with some other lenders who may be able to offer you something more appealing. I would also suggest that if possible you speak with a credit union as they do not typically operate under the same constraints that a traditional "big bank" lender who sells their loans on the secondary market operates under.
I hope you find a great lender and wish you the best of luck.... more