I dont have a lot of debts all I have is a auto loan for 4000.00 and credit card with a 500.00 limit.My verification of employment was done at the beining of the loan. There has not been a status change of my employment sent the loan was appoved.The guy who working my loan told me that I was approved for my loan base off of me working full time. and that I cant close the loan until I get a letter from my doctor stating Im able tp worl full time.But my ? is why approve my loan off of full time pay when I have never been full time through out this loan.I just want to know if my doctor state I can work full time, will I lose my deposit.

I do not believe a doctors note is going to make a difference if you are approved or not. The underwriting decision on your loan will be determined off your year-to-date pay. I am assuming you are paid an hourly wage so unless your part-time gross earnings are enough to fulfill the debt-to-income requirements of you loan you will be denied. The only other option is if your verification of employment states you were moved to guaranteed full-time and you have a letter of explanation as to why you are moving from part-time to full-time.

If you have proof of what you sent to the licensed loan officer as far as your employment and the verification of employment from the begining as part time, and the LO qualified you on FT, knowing that you did not, he is non completing his role as fidicuary duty to you. If he lied on the application then you should go after him and his company for misrepresentation (if you lost your deposit) No a doctors note will not work. Can you make the payments on your PT income? If so, get more money for a down payment and do a hard money loan.