Can i get a mortgage with 6 months of recent work history?

[Brett Potter]

I’ve been working as a plumber in Seattle for 6 months and got a couple good raises. I make $56k a year and my wife makes 60-70k. I was a self employed personal trainer for a year and a half prior to plumbing (and made basically nothing after deductions). went to college for 3 years prior to that.

I’ve read you can only get a mortgage if you have 2 consecutive years of work history. Is this true? Any loopholes?

My wife and I both have good credit scores and down payment money saved up.

[Michael Haas]

@Brett Potter the two year history requirement is applicable to 1099's (independent contractors) and entrepreneurs. If you're a W-2 employee often times it just takes a pay-stub or two and you're all set for your loan.

I love our lender and recommend her often. She'd be able to answer all your questions and get you started. I'll DM you her info!