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.