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.
Plain-English explanation
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.
What can change the answer?
Income type, employment history, debt ratio, reserves, automated underwriting findings, and lender overlays can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Requirements
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.