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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.
For example, with an FHA loan an underwriters wonât want to see more than a 6 month gap prior to going back to work and youâll need to document 24 months of employment prior to the gap in employment. A few other notes regarding income on an FHA program.