Does FHA require a two-year work history?
FHA does not require two years in the same job. The lender documents the employment and income history needed for your income type and determines whether the qualifying income is stable and likely to continue.
What this actually means.
A recent job change does not automatically disqualify you, but gaps, variable or commission income, probationary status, a new self-employed business or income that has not started can require more history or documentation. School or military records may help document prior periods. Subject to current HUD and lender requirements.
What this looks like on a real file.
Where this can move.
Income type, employment history, debt ratio, reserves, automated underwriting findings, and lender overlays can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.