How much employment history do VA loans require?
Two years of stable, documentable employment is the standard. School and military service count toward the two years. Career changes within the same field are usually fine; switching from a stable W-2 to a brand-new self-employed venture before applying is harder.
Plain-English explanation
VA wants stability and likelihood of continuance — not a rigid two years on the same job. Two years in the same field with a recent same-field job change is usually fine. School transcripts and military service records count. New self-employed ventures need two years of returns to qualify. Probationary or commission-only positions need careful documentation. Subject to lender overlays.
What can change the answer?
Income type and history, employment stability, BAH and military allowances, self-employment net, and recent job changes can change qualifying income.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Income
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.