Obtaining a mortgage without two years of work history is feasible. While lenders typically prefer a steady employment history of two years to ensure reliable income, applicants who are recent graduates, new to their field, or self-employed can still qualify. Lenders evaluate employment to assess long-term affordability and to identify potential financial risks. Alternatives exist for those lacking traditional employment history, providing pathways to secure financing and homeownership despite non-conventional backgrounds.
Lenders generally prefer at least two years of steady employment for mortgage applicants, as it indicates reliable income capable of supporting long-term payments.
If you're new to the field, recently graduated, or self-employed, there are alternative pathways to homeownership despite lacking two years of job history.
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