Lending Question - Regarding Income History

[Isaac White]

I'm hoping to use an FHA or owner occupied loan to purchase my next property.

One of the main problems I've had with getting bank financing is my job history. In this case I worked a W-2 for a 1 year and 3 months, I quit and took a higher paying job in the property management field. I worked that job for 2 months until end of August 2022, and made that transition from the first to second job with no gap. I then went to a different property manager for another two months until end of October 2022. I quit the third job and was unemployed for about a month and a half. I now went back and work part-time for the first property manager that I worked for until the end of August.

My question is; would I be able to go full-time at the job I am at now. Knowing that banks usually only ask for the first and most current paystubs to verify that you have been working the same job consistently. Give them my first paystub from the first property management job, and then give them my most current paystubs which is at the same place. Making it look like I have been working the same full-time job for last 7 months. Bringing my job history to almost two years with no gaps. 

Just wondering if anyone has any insight on how hard they verify job history. Or if it goes to underwriting and they will be able to see that I have a job gap followed by part-time income?

I appreciate any all advice, and for taking the time to read this.

[Stephen Rinaldi]

Less than a 6 month gap is no worries