You searched:
“can I get a mortgage after losing my job”
Job loss is destabilizing, especially when you need housing stability most. If you have found new employment, lenders focus on your current position and income. If you are still looking, there are strategies to keep your homeownership plans on track.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Recently laid off from long-term positionSolution exists
- 2Starting new job at different salarySolution exists
- 3Gap in employment on resumeSolution exists
- 4Industry downturn forced career changeSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
New Employment Qualification
If you have a new job, most lenders accept an offer letter with salary for qualification even before your first paycheck.
Available nowSame-Industry Exception
Career changes within the same field are treated as continuous employment by most underwriters.
Available nowAsset-Based Qualification
If you have substantial savings or investments, qualify based on assets rather than employment income.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200New job? Between jobs? Let us assess your options.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
Immediately. Most lenders accept a signed offer letter or employment contract. Some require one pay stub. You do not need to wait months.
No. Gaps of 6 months or less can usually be explained with a letter. What matters most is your current stable employment and income.
Your qualification is based on your current income. A lower salary means a lower qualifying amount but does not prevent approval.
New job? Between jobs? Let us assess your options.
We will reach out at a time that works for you. No pressure, no obligation.