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Do you need a work history to get a mortgage?

For example, a borrower who attended school full-time or served in the military for at least year is usually only required to have a one year work history before they can qualify for a mortgage. The employment history requirement is also impacted by the type of income an applicant earns.

Do you need a 2 year employment history to get a mortgage?

In general, borrowers are required to have a two year employment history to qualify for a mortgage although there are certainly cases when borrowers with shorter work histories, such as one-to-two years, are able to qualify.

How does a 2 year job history affect a mortgage application?

Mortgage lenders scrutinize an applicant's employment history during underwriting to assess their ability to repay the loan. Everyone’s situation is unique, and an application without 2 years of work history doesn’t automatically disqualify you.

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