first home, 23 years old

You would need 2 years of employment within the same field. Preferably the same company. If you don't have that then you can still put 20% down on an FHA loan. You will pay the up front mortgage insurance of 1% of the loan amount but will not pay the monthly insurance. Depending on how much you are spending you can also put 10% down on an FHA 15 year fixed rate and skip the monthly mortgage insurance as well. Just click my link above if you have other questions. Merry Christmas!

Although the standard guideline is two years, there is room for interpretation. Some lenders will allow education to be substituted, say a nurse or a doctor before beginning their practice.Also, if you were self-employed in the same field, some lenders will allow the switch from being self employed.Find a lender who can get your very specific question answered before you officially begin the process.My company does that (California).Good luck.