Is it possible for me to get a home mortgage without 2 year's of employment history?

If you're close to 2 years of employment with the same employer, you probably have a good chance of getting the loan as long as you can qualify for it in every other aspect. It may require a letter of explanation about your employment, which I write for my clients. Considering that your dad will cosign on the loan, and his financial condition is solid, your employment history may not be any problem at all. You don't need 20% down to get a loan. If you put less than 20% down you will have to pay mortgage insurance, but considering that you almost have that much the MI will not be very costly. It shoud cost you less than $100/mo. and will fall off once your home's loan-to-value ratio is 80% or less.

Is this your first employment out of college? if it is your ok and min down payment would be 3.5% for FHA or do conventional and put 20% down to avoid mortgage insurance, pops could provide a gift to help with clsoing if the seller dosent. I can be reached at ballen@accessnational.com or 888-354-3299.

There are many people that do not have two year's employment history and still qualify for a new mortgage. FHA loans favor someone like you and you do not need 20% down. FHA only requires 3.5% down. My best advice is to contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to products of many lenders, not just those of one bank, and can properly guide you.

Hello - with the 20% down payment and the cosigner you should be able to qualify for a loan if your debt to income ratios are in line and credit is goodIm in Tulsa if you woudl like to discuss dflannery@firstunitedbank.com

HI-We can help with your situation and down payment requirements. Please call me at 918.682.9037.Sincerley,Nick Moorenick_moore@americaslenderonline.com

You will typically need the full 2 years.