Does FHA require a two-year job history?
FHA does not require two years in the same job. The lender documents your employment and income history and whether qualifying income is likely to continue; a new job, a gap, variable pay or self-employment can change what is required.
What this actually means.
School, military service, recent job changes and employment gaps can be considered, but there is no one-sentence approval rule. I review the type and history of income, start dates, gaps and any lender requirements before treating the income as qualifying.
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.