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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.
3. Most lenders will want to see that youâve been with your employer for a decent length of time before theyâll give you a mortgage, so if youâre thinking of switching jobs, itâs a good idea to hang on until youâve got your mortgage in place.. Before applying for a mortgage, get a copy of your credit report which is held by credit reference agencies such as Experian or Equifax. This will allow you to see what lenders see when they review your application.