Yes — a recent job change does not automatically disqualify you for a conventional loan. Lenders care about continuity of income, related experience, and documentation more than staying at one employer forever.
Stability of income matters more than loyalty to a single employer.
Moving to a similar role or industry with equal or higher pay is usually the easiest story to approve.
Lenders want roughly two years of employment history overall — not necessarily two years at the new company.
Base salary is simplest. Overtime, bonus, and commission often need a history before they fully count.
Some employers have probationary periods. We confirm whether income is guaranteed and document it clearly.
A strong offer letter, verification of employment, and early paystubs close most job-change files.
Promotion, lateral move for higher pay, or switching companies in the same field are common — and often strengthen your file.
Having these ready keeps underwriting from stalling after you go under contract.
If variable pay is a big part of your income, a few pay cycles can unlock a larger purchase price.
Step 1
We compare base-only vs. including overtime or bonus history.
Step 2
Sometimes waiting for 1–2 paystubs is cheaper than buying smaller.
Step 3
Shop homes with a letter that matches what underwriting will accept.
Step 4
Clean employment docs help us keep roughly a 20-day close pace.
Related guides to help you compare options and move toward pre-approval.
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There is no universal waiting period. Same-line-of-work moves can often qualify immediately with an offer letter, first paystubs, and a two-year work history in the field.
Career changes are harder. Lenders may want a longer track record in the new role or rely only on base pay until commissions or bonuses re-establish.
Sometimes for future employment, especially with a signed contract, start date within a defined window, and enough reserves to cover the gap.
Short gaps can be explained. Longer gaps need a letter of explanation and proof that income is stable again before closing.
Send us your offer letter and recent pay history — we will tell you if conventional is ready now or needs a short wait.