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FHA Loans - Employment Qualifications

You don't need to make millions to qualify for a home loan, but a history of steady employment in any occupation helps. FHA and mortgage lenders are more likely to lend money to people who have worked for several years at the same job, or at the same type of job. However, if you can qualify for a loan in every other way, we will consult with you.

A short history on your current job wouldn't necessarily prevent you from getting the loan as long as there have been no gaps in your income over the last two years. FHA will verify  your employment, usually by asking your employer to sign a statement that shows how long you have been on the job and how much money you earn.

FHA qualifying also requests the we also request your most recent paystubs and the last two years of W-2's and Tax Returns. If you are self-employed or if you have been at your job less than two years, the lender may ask you for additional information (such as federal income tax statements and a Profit & Loss statement) concerning your income and work history

Questions that will be considered.

  • Have you been at the same job for at least two years?
  • Have you been in the same occupation for at least two years?
  • Have you had gaps in your income over the last two years?
  • flow long do you expect to stay in your current job.)
  • Is the co-borrower (if any) employed?
  • If either you or the co-borrower lost your job, how long would you be able to make your mortgage payments?

These are the kinds of questions asked when reviewing your loan application. A steady, secure job will make your loan application stronger.

Learn more about FHA loan qualifying and your income fha home loansHere

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