Below is a link to a Trulia Real Estate Blog that summarizes the basic criteria for getting a loan. If you meet this criteria, you can often get a loan. Some clients relocating to the area have gotten a loan with an employment letter and verification from their employers HR department that they have actually started the job. Some recent college graduates have gotten loans fairly quickly. Clients also got a loan when they were continually employed in the same general field of work for at least two years whose new job was the same type of work. It all depends on the lender. Which one I would recommend depends on your specific situation, how much down payment you have, whether you are a 1st time home buyer, your total income, etc. If you have a full time agent with a Masters degree in Planning with Finance and over two decades of experience, working for you, you will likely do better in negotiations. I'd be pleased to provide that service. If you appreciate this answer, please give it a thumbs up, or if this was the most helpful answer, please say thanks with a best answer click.
If you transferred jobs they generally want to see you at least 30 days at the new job and want to see a record of two years of continuos employment in the same field.
if this is a new career then you may be able to get away with six months on the job or less if you just graduated college or received a degree that led you to that psoition.
The best thing to do is contact a mortgage brojer who can qualify you on the information you can provide them... There are variables based on your question that we do not know that have a factor in your qualification.
Or you can contact me and I will be able to ask you some questions and get an answer that will help me identify whether you can qualify or not and direct youtoward a lender that can help you.
Coldwell Banker United
Items they will need to know/need a copy of:
1. 2 years tax returns
2. They will need your SS# to pull credit
A true answer based on you as a borrower will be more beneficial than a generic answer.
Hope this helps.
Therefore, its best to ask a lender......
dont be afraid to ask a lot them either.