Can I get FHA with a new job?
A new job can be acceptable for FHA. The lender must review the type of pay, work history, start date and required documents.
What this actually means.
A written offer does not automatically establish approval. The lender must determine what income can be used and whether any expected-income requirements apply before pay begins. A new salary, changing hours, commission, a work gap and a new business are different situations. Ask which documents and timing apply before setting a closing date.
A simple example
Illustration only. This is not an approval or a loan offer.
Where this can move.
Pay type, start date, employment conditions, prior history, gaps, records 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.