Long story short, for years, you have NOT been able to close. Lenders want you back to work, with a paystub in hand before you can close. Basically, that’s been deemed discrimination against women, but most lenders have not changed their policy. It’s tough, because we all know that women who have a baby & wrestle with the decision to return to work, or not.
My company is one of the few that CAN close your home loan. Follow the video link to get the details. It’s pretty straightforward.