I changed jobs recently? Does that automatically cause problems?

What if I change jobs during mortgage approval?

You changed jobs recently and want to know if that creates automatic problems with your mortgage. A job change doesn't automatically cause problems, but lenders need to verify your new employment and income before closing.

Lenders typically require employment verification within 10 days of closing. When you change jobs, the lender will ask for documentation from your new employer—usually a job offer letter, recent pay stubs, and sometimes an employment verification letter. The timing matters: if you're still in a probationary period or your income changed significantly, the lender may need additional documentation.

Check your loan documents to see what employment verification requirements your lender has. Compare your new job's salary, job title, and employment type (salary vs. hourly, W-2 vs. contract) to what you originally reported. If your new role pays less or involves different compensation structure, the lender may need to recalculate your debt-to-income ratio.

Contact your lender immediately to report the job change. They can walk you through what documentation they need and whether the change affects your loan approval. Most lenders can work with job changes, especially when your new position offers stable or increased income.