Job Gaps in Employment and Getting Approved for a Mortgage Loan in Kentucky for FHA and Fannie Mae Conventional loans
Job Gaps and Mortgage Approval in Kentucky (FHA & Conventional Guidelines)
Employment gaps happen, and they don’t automatically disqualify a borrower from getting a mortgage. Both FHA and Fannie Mae Conventional loans have clear guidance on how lenders handle gaps in work history, expected income, and frequent job changes. This long-form Kentucky-focused guide breaks everything down so you can understand exactly how lenders evaluate your employment profile.
What Counts as a Job Gap for Mortgage Underwriting?
A borrower is considered to have a job gap when they have six months or more with no verified employment. Each loan program handles this differently, so documentation and expectations vary.
