Traditional banks often tell borrowers they need two years in the same line of work. That guideline is not a federal rule—it's an overlay created by conservative underwriters. At National Mortgage Home Loans, we underwrite to agency guidelines, not arbitrary bank policy.

Here are the real benchmarks we use:

• FHA/VA/USDA: One pay-stub and a verbal VOE (verification of employment) is enough.
• Conventional: If you're salaried or hourly, 30 days on the job plus an offer letter showing no probationary period will satisfy Fannie Mae.
• Non-QM: We can count bank statements, assets, or even projected revenue if you just opened a business.

That means you can be approved while sitting in orientation on Day 1, provided we have the letter in hand.

Being organized shortens your approval from weeks to hours. Collect these items tonight:

• Signed offer letter on company letterhead showing start date, salary, and full-time status.
• Most recent 30 days of pay-stubs from your previous employer (to verify stable income history).
• Last two years of W-2s or tax returns—gap years are fine.
• Written Verification of Employment (VOE) form—NMHL sends this directly to HR; you just give us contact info.

If your new role comes with a signing bonus or relocation stipend, we can count that toward reserves or even toward your down payment on FHA loans. Keep every email and appendix; sometimes the fine print unlocks extra qualifying income.

When the moving truck is coming whether you're ready or not, speed matters. Here's how fast each program can realistically close from the day you supply the last document:

NMHL's in-house underwriting team works weekends, so if you find the house on Saturday and your offer letter is dated Monday, we can still update your pre-approval letter Sunday night so your agent can submit a clean offer Monday morning.

Maya, Austin TX: Accepted a nursing job on a Tuesday, closed on her townhouse 27 days later using FHA. We counted her new shift-differential pay even though she'd only worked three shifts.

Carlos & Luis, Denver CO: Both left hospitality for tech support roles within the same week. Used a joint bank-statement loan to close in 19 days with 10% down while still in training.

Jordan, Tampa FL: Switched from active-duty to civilian contractor. The VA didn't require a new Certificate of Eligibility; we closed on Day 25 of employment with zero down.

Each borrower thought they'd have to wait six months. Each walked into their new home before their first month on the job was over.

1. Book a 15-minute call. Bring your offer letter; we'll tell you the exact loan amount and program in plain English.

2. Get a same-day pre-approval letter. We email it to you and your agent, formatted for your state contract.

3. Shop with confidence. Because our letters are underwritten by a human—not an algorithm—sellers take them seriously.

4. Close on your timeline. Whether that's ten days or thirty, we lock the rate and coordinate with your HR team so you can focus on packing, not paperwork.

The only mistake is waiting. Every week you postpone is another week of rent down the drain and potential rate increases. Let's get you from new-hire orientation to new-home celebration as smoothly as possible.