Can I get a mortgage with a new job?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. Lenders want a two-year work history, but a new job in the same field — especially after school or a promotion — is fine. You typically need at least one pay stub from the new role.
A job in a different field or a recent gap may require a letter of explanation and a bit more history. We'll review your offer letter and start date and confirm you're good to go.
Starting a job before you buy
A new job is fine, often a plus. Lenders care about steady income, not one long stretch at the same desk. A job in the same field usually counts right away.
A salaried offer letter can even work before your first paycheck. Switching industries or to commission pay draws more questions. We know how each case is handled.
Documenting a recent move
Changed jobs recently? Bring your offer letter and first pay stubs. If you moved within the same field, the transition is usually smooth. Gaps get a simple written explanation.
We review your work history early so there are no surprises. Then we build the file the way underwriting wants to see it.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.