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There's that magic number again -- two years. This is usually the employment requirement for a conforming mortgage loan. You must have continuous employment for at least two years. Granted, there are exceptions to every rule. And we will talk about those exceptions in just a moment.
It can take longer, depending on your situation. The time to complete the process will vary depending on the lender you choose, the type of loan you apply for and a variety of other factors. There are several things you'll typically do before applying for a mortgage: Choose a lender.