Does FHA require a two-year job history?
FHA does not require two years in the same job. The lender reviews your work and income history, the type of pay and whether qualifying income is likely to continue.
What this actually means.
Job changes, schooling, military service and gaps can affect the records needed. Fixed pay, changing hours, overtime and self-employment follow different rules. Tell the lender the full timeline so it can identify the right requirements; time at the current employer alone does not decide the loan.
A simple example
Illustration only. This is not an approval or a loan offer.
Where this can move.
Income type, prior work and training, gaps, start date, documentation and lender requirements.
Check the sources
Sources checked . Program guidance and lender requirements can change.
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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.