How much of an impact does my employment have on my approval?

Hello, Our loan products aren't contingent on employment or income verification, if you're searching for a mortgage on a primary residence I would suggest you speak with a local banker or a mortgage professional in your market, as we do not land in North or South Dakota.

MOST not all lenders require at least 2 years of residence history and two years of job history. You can have more more than one job or residence. However longer time on both makes it easier to gain approval because a longer job or residence indicates stability.There are programs that don't require the above. However you usually pay a penalty by needing a higher score to qualify and/or a higher rate

Everything from little to a lot. It depends. Changing jobs with little to no gap, and you are hourly or salary is easy. Changing jobs with variable income / hours, self employed, commission, 1099, can all present challenges until you've been there two years. I lend in ND MN WI IA SD. I can be found at JoeMetzler.com - Cambria Mortgage, NMLS 274132