Am I going to mess up my loan if I change jobs right now?

Will changing jobs mess up my loan?

You want to know if changing jobs right now will affect your mortgage loan approval. The timing and type of job change determine how much this impacts your application.

Job changes typically require lenders to re-verify your employment and income before closing. Lenders check employment status again within a few days of closing, so any change comes up during this final verification. Switching to a similar role with comparable or higher pay usually causes fewer delays than changing industries or taking a pay cut.

Check your loan timeline first—how close you are to closing affects your options. Review your new job's start date, salary, and employment terms. Gather the job offer letter, which shows your new salary and start date.

Many people in this situation contact their lender immediately to discuss the change. Some wait until after closing if the new job starts later. Others ask their new employer about delaying the start date until after closing. Your lender can walk you through how this specific job change affects your loan and what documentation they need.