Mortgage  Question?
Employment History Requirement for an FHA Loan

What is the employment history requirement for an FHA loan? I have been at my current job for sixteen months and my lender is not sure if I can qualify for an FHA loan.

Harry Jensen, Trusted Mortgage Expert with 45+ Years of Experience
, Trusted Mortgage Expert with 45+ Years of Experience

Technically, the FHA Mortgage Program does not require a two year work history; however, the lender is required to explain any employment gaps of one month or more, including for school or military service, for the most recent two full years. So the question becomes what were you doing prior to your current job? If you can document what you were doing for the eight months prior to starting your current job, such as school, military service, other jobs or an explainable gap in your employment, then you should be able to qualify for the mortgage. FHA guidelines even permit an extended employment gap as long as you have been employed in your current job at least six months and have a two year work history prior to the extended employment gap. I have included a link to the document that outlines the employment history requirement for an FHA Mortgage below (see pages three and four of the PDF).

FHA Mortgage Program Employment History Guideline

After reviewing the resources on FREEandCLEAR and FHA Program guideline I recommend that you contact your lender to understand if they are treating your application and employment history correctly. I also recommend that you contact multiple lenders to understand how they would handle your unique situation. You can review FHA lenders in your area by clicking INTEREST RATES We advise you to contact at least four lenders as qualification guidelines vary and lenders may interpret your employment history differently.

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About the author

Harry Jensen, Mortgage Expert

Harry is the co-founder of FREEandCLEAR. He is a mortgage expert with over 45 years of industry experience. Over his career, Harry has closed thousands of loans for satisfied borrowers and now offers his advice and insights on FREEandCLEAR. More about Harry

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