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Can I get a mortgage with less than 2 years of work history?

I have a credit score of 700 and a civil engineer but i've only been in the states for 2 years. by breakmn815 from Moretown, Vermont. Oct 19th 2017 Reply


William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,000 contributions

More than likely, yes.. most lending programs have a minimum 2 year work history, but there are always exceptions.. my guess is that you should be ok.. if you want to know for sure, then I suggest you contact a local mortgage banker/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Oct 19th 2017
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