You searched:
“can I get a mortgage with less than 2 years at my job”
The 2-year employment myth keeps many qualified buyers on the sidelines. While lenders prefer 2 years, there are clear exceptions and programs that accept less -- especially if you changed jobs within the same field.
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.
- 1Recent career change or new industrySolution exists
- 2Just graduated and started first professional jobSolution exists
- 3Relocated for better opportunitySolution exists
- 4Recently returned to workforceSolution 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
Same-Field Job Change Exception
If you changed jobs but stayed in the same industry, most lenders count your total career history, not just your current employer.
Available nowFHA Flexibility
FHA requires 2 years of employment history but not with the same employer. Gaps can be explained with documentation.
Available nowNon-QM Employment Flexibility
Some Non-QM programs accept borrowers with as little as 6 months of employment with sufficient income documentation.
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(248) 864-2200New job? Let us check your qualification today.
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Frequently Asked Questions
No. You need 2 years of employment history, not necessarily at the same job. Same-field career changes typically qualify without issue.
Gaps under 6 months can usually be explained with a letter. Longer gaps may require additional documentation but do not automatically disqualify you.
Yes, many lenders accept an offer letter with start date and salary for qualification, especially if you are in the same career field.
New job? Let us check your qualification today.
We will reach out at a time that works for you. No pressure, no obligation.