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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.
Yes, the FHA Back To Work program waives the agencyâs two-year waiting period. You no longer need to wait two years to apply for an FHA loan after experiencing a Chapter 7 or Chapter 13 bankruptcy.