{"id":102977,"date":"2025-07-02T10:42:26","date_gmt":"2025-07-02T17:42:26","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=102977"},"modified":"2025-07-02T10:42:26","modified_gmt":"2025-07-02T17:42:26","slug":"getting-mortgage-with-new-job","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/getting-mortgage-with-new-job\/","title":{"rendered":"Can You Get a Mortgage with a New Job? What Homebuyers Need to Know"},"content":{"rendered":"

Starting a new job doesn\u2019t automatically disqualify you from getting a mortgage, but it can raise some red flags for lenders. If you’re wondering <\/span>Can I get a mortgage if I just started a new job?,<\/span><\/i>\u00a0the good news is that it’s possible. However, you may need to take a few extra steps to prove your financial stability and reliability as a borrower.<\/span><\/p>\n

This Redfin article explains how job changes impact the mortgage process and what lenders look for\u2014whether you’re applying for a <\/span>home loan in Raleigh, NC<\/span><\/a> or preparing to close on a <\/span>house in Denver, CO<\/span><\/a>.<\/span><\/p>\n

\"real<\/p>\n

Why lenders care about job history<\/span><\/h2>\n

When you <\/span>apply for a mortgage<\/span><\/a>, lenders want to know you\u2019ll be able to make your <\/span>monthly payments<\/span><\/a>. One way they assess this is by looking at your employment history.\u00a0<\/span><\/p>\n

Ideally, they like to see consistent income over the past two years \u2013 typically with the same employer or within the same industry.Changing jobs doesn\u2019t automatically hurt your chances, but lenders will want reassurance that your new income is stable and ongoing.<\/span><\/p>\n

Can you qualify for a mortgage right after starting a new job?<\/span><\/h2>\n

Yes, but it depends on your situation. Here\u2019s how different scenarios may affect your mortgage application:<\/span><\/p>\n

1. Same industry, similar role<\/span><\/h3>\n

If you switched to a new job in the same field, especially with a pay increase, most lenders won\u2019t see it as a problem.<\/span><\/p>\n

Example<\/b>: If you\u2019re a nurse who just moved from one hospital to another, your consistent career path shows stability, which lenders like.<\/span><\/p>\n

2. Different industry or career change<\/span><\/h3>\n

If you\u2019ve changed industries entirely, lenders may want more documentation to understand the transition.You may be asked to provide additional documentation, such as:<\/span><\/p>\n