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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's a great time to refi, but you'll need patience. A little more patience is the one thing you'll need, whatever type of loan you decide to pursue. Lenders are now taking an average of 46 days to process refi applications. No one thought mortgage rates would remain this low after the Federal Reserve stopped flooding the mortgage market with money in 2014.