Does FHA require a two-year job history?
FHA prefers a two-year employment history, but it is not always strict. Job-to-job in the same field with no income drop is usually fine.
What this actually means.
Schooling, military service, and documented gaps can count toward the history. The underwriter wants stability — likelihood that income continues. A new W-2 job in the same line of work with steady income usually clears, subject to overlays.
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.