Lenders require a 2 year employment history, even if you haven't been employed for a full 2 years (they just want to know what has been going on the past 2 years, regardless of what happened during those 2 years). 3 months on the job with no prior employment history can be tough to qualify, but if you recently got a degree/diploma and went into a full time position related to your field of study, then that time in school can substitute for the 2-year employment history. In your situation it sounds like you will need a really good loan officer to go over your situation to make sure all angles of qualifying are considered, even utilizing a co-signer if possible, or if it's not possible now then 6 months on the job may just do the trick. You can also use other types of financing (regular or rehab) to purchase homes listed at http://www.homepath.com/
- it's not just limited to using HomePath financing.