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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.
After you apply for a mortgage loan, your lender's underwriting department will verify your gross monthly income, debts, savings and credit report to determine if you can truly afford a monthly mortgage payment.or instance, your underwriter might find a $10,000 deposit in your savings account three days before you applied for your loan. Your underwriter will want to make sure that this large deposit is a gift and not a loan.