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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.
Even though starting a new job just before you apply for a mortgage might not be the best idea, it won't always lead to automatic disqualification. Conventional mortgages and federal loan guarantee programs verify employment for the previous two years, but this doesn't always require that it be with the same employer.