Qualifying for a mortgage when you have multiple jobs

Mortgage lenders require a two-year history (no budging on this time frame) of working two or more jobs to use income from all jobs. If you’ve been at one job longer than the other(s), but haven’t been working multiple jobs for two years, we will only use the income from your longest current employer as your qualifying income.

This two-year time frame is hard and fast because it’s fairly usual and customary for people to work a second job to save up for a house and then decide to leave it once they’re in the house. Also, life happens, and if you’re working multiple jobs when life happens, it’s likely that one of the jobs is going to go by the wayside – it’s just human nature. The underwriters feel that enough life happens in two years to determine that you are likely to have multiple jobs after purchasing or refinancing the home whether life happens to you or not.

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