New job. New worries. Let me figure out which lenders say yes.
There are ways to qualify with an offer letter, less than two years at your current job, and even during a probationary period. Most lenders default to no. Not all of them.
Overview
You just started a new role, switched industries, or have a gap on your resume. Traditional underwriting wants two years of stable employment in the same field. Your situation doesn't look like that.
That doesn't mean the answer is no everywhere. Some lenders qualify on offer letters before your start date. Some handle industry changes fine if the income is the same or higher. Some work with gaps if there's a reasonable explanation and current employment is stable.
The question isn't whether it's possible. It's which lender says yes to your specific situation. That's what I figure out.
What I Look For
How I Handle This
Employment timeline, current position, income trend, documentation. I figure out which lenders are comfortable with your situation and present the file with the right context.
Sometimes the answer is straightforward. Sometimes it means waiting a few months. I tell you honestly.
Questions I Get
Can I qualify with an offer letter?
Some lenders accept them under specific conditions. I tell you if yours qualifies.
I changed industries. Problem?
Depends on the nature of the change and whether income is consistent. I find the right lender.
Employment gap?
Not automatic disqualification. Most lenders want to understand what happened and whether current employment is stable.
Probationary period?
Some lenders don't care. Others do. I know which is which.
New job and worried about qualifying?
Send me your employment situation. I'll tell you whether you can move now or what timeline to expect.