Do you need a job history to get a mortgage?

For a standard mortgage application, underwriters need to see a two-year work history. If you’ve been at your job — or within the industry — for that long, no further questions should be needed. Verify your mortgage eligibility. Start here If you’ve spent less than two years in your career, your employment history comes into play.

Do mortgage lenders care about employment history?

Lenders want to see a long-term, steady employment history. They are, after all, issuing a loan at a low fixed rate for up to 30 years. Mortgage lenders care about employment history because it can predict an applicant’s ability to repay their new home loan. Verify your mortgage eligibility. Start here But other factors matter, too.

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.