10/09/2026
Employment changes during a mortgage transaction aren't unheard of, but they can affect the loan depending on the circumstances.
If you're thinking about changing jobs, starting a new position, moving from salary to commission, becoming self-employed, or making another significant employment change, talk to your lender first.
Your lender may need to review things like:
• Your new position and income structure
• Whether the new income can be used for qualifying
• Your employment history
• Documentation needed to verify the change
My biggest advice? Don't surprise your lender.
If something changes, tell us as soon as you know. It's much easier to work through a change when we have time to understand it and plan for it.
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