My bank will not give me a mortgage loan because I am not working at the moment, however, I have sufficient funds $50k for a down payment, funds for living $27k, $20k invested, and a social security income of $1975 starting in May. They say I have to have 2 years of work history now. I've worked for years but just not at the moment. Can Fanny Mae or Freddy Mac or other lender help with this issue?