Does FHA require a two-year work history?
FHA wants stability and likelihood of continuance — not a rigid two years on the same job. Two years in the same field with a recent same-field job change is usually fine. School and military service count toward the two years. New self-employed ventures generally need two years of business returns to qualify.
What this actually means.
FHA's documentation guidance asks for a stable two-year work history, but the rule is flexible in practice. Recent same-field job change with a higher salary and no gap is rarely an issue. Job gaps need a written explanation and re-establishment of employment. School transcripts and military service records count toward the two-year window. Probationary periods and commission-only positions in the first year of self-employment trigger more scrutiny. Subject to FHA/HUD guidelines and lender overlays.
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.