{"id":6532,"date":"2017-08-17T19:53:03","date_gmt":"2017-08-17T23:53:03","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=6532"},"modified":"2020-07-13T22:28:16","modified_gmt":"2020-07-13T22:28:16","slug":"employment-history","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/employment-history\/","title":{"rendered":"Mortgage Denied Because of Employment History?  We Have Solutions"},"content":{"rendered":"<p>Capacity, <a href=\"http:\/\/www.investopedia.com\/terms\/c\/creditreport.asp?ad=dirN&amp;qo=investopediaSiteSearch&amp;qsrc=0&amp;o=40186\">credit<\/a>, collateral, and capital are considered the 4 C&#8217;s of mortgage lending.\u00a0 Basically, these are the main areas lenders review to qualify a borrower.\u00a0 But these 4 categories are broken down into many subsets.\u00a0 This article is going to discuss the capacity to pay back the loan and more specifically discuss the role of employment history.\u00a0 While reviewing capacity, lenders will review a borrower&#8217;s income, employment history, assets, and debts to determine qualification.\u00a0 Employment history plays an important role when it comes to areas such as:<\/p>\n<ul>\n<li>Commission Income<\/li>\n<li>Overtime Income<\/li>\n<li>Bonus Income<\/li>\n<li>New Job<\/li>\n<li>Second Job<\/li>\n<li>Pastoral Income<\/li>\n<li>Self Employed Income<\/li>\n<li>Rental Income<\/li>\n<\/ul>\n<h2>Commission and Employment History &#8211; Don&#8217;t get Denied!<img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-6561\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2017\/08\/AdobeStock_17369043-300x218.jpeg\" alt=\"employment history\" width=\"300\" height=\"218\" \/><\/h2>\n<p>Whether paid partially or fully by commission, it provides employees with sales and results based income.\u00a0 Contrary to a salary or hourly employee,\u00a0commission income fluctuates based on certain levels of production.\u00a0 Since commission varies, mortgage lenders will require a certain\u00a0amount of \u00a0history.\u00a0 By taking an average over time, a more dependable income is derived.\u00a0 Typically, mortgage rules require a 2 year employment history in a commission job.\u00a0 When 2 years are required, a commissioned employee with less time would actually have zero income as far as a lender is concerned!\u00a0 But, sometimes there are solutions for <a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/05\/03\/commission-income\/\">less than 2 years of commission income<\/a>.<\/p>\n<h3>Less Than 2 Years of Commission Income<\/h3>\n<p>When there is less than 2 years of commission income, there may be a solution;\u00a0 Although there is a minimum of at least 1 year commission employment history.\u00a0 There are several home loan options for those with commission income like this.\u00a0 For instance, <a href=\"http:\/\/teammovemortgage.com\/fha\/\">FHA<\/a> and some conventional loans may allow just 12 months of commission income.\u00a0 No matter the length between 12 and 24 months, the total commission portion of income must be divided by the number of months receiving the income.\u00a0 Additionally, be aware that if commission income makes up 25% or more of the total borrower income, there is another step.\u00a0 Lenders must review the federal tax return for <a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/04\/22\/unreimbursed-employee-expenses-causing-problems-on-your-mortgage\/\">unreimbursed employee expenses<\/a>.\u00a0 So if the returns show this expense, it must be subtracted from the commission income.<\/p>\n<p>Although we see commission income more often in FHA and conventional loans, it could be possible to use less than 2 years of commission on <a href=\"http:\/\/teammovemortgage.com\/usda\/\">USDA<\/a> loans as well.<\/p>\n<p>[av_button_big label=&#8217;Read More About Commission Income Solutions&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2016\/05\/03\/commission-income\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n<h2>Bonus Income Employment History<\/h2>\n<p>Bonus income works very similar to commission income as it is based on achieving certain levels of production.\u00a0 Although a bonus may be every paycheck or as few as once per year.\u00a0 Just like commission income, lenders like to see a 2 year history of bonuses received.\u00a0 This is especially the case when a bonus is paid only once per year.\u00a0 It is hard to prove a history or even that the bonus will continue when someone has only received it once.\u00a0 Makes sense, doesn&#8217;t it?\u00a0 But if the bonus is received monthly or more often, the chances improve of counting it in shorter than a 2 year period.\u00a0 Finally, an important requirement in addition to a history of receipt is that bonuses must be &#8220;likely to continue&#8221;.\u00a0 If an employer states the bonus is &#8220;not likely to continue&#8221;, this would be an issue in counting it.<\/p>\n<h2>Overtime Employment History<\/h2>\n<p>Commission or bonus income is not the only way to make extra money.\u00a0 <a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/06\/04\/overtime-income-buying-home\/\">Overtime<\/a> pays employees extra money (typically 1 1\/2 times base hourly wage) for working over 40 hours.\u00a0 Most of the time, overtime is not guaranteed.\u00a0 Therefore, overtime is a fluctuating income as well.\u00a0 Again, this income must be averaged over a period of time to calculate a more dependable amount.\u00a0 Now, keep in mind that if an employee consistently works 40 hours a week, this income is considered dependable and should be counted.\u00a0 Even a brand new hourly rate increase may be counted immediately.\u00a0 But, overtime must be averaged.\u00a0 Actually, it is not unusual for us to average overtime for the prior year with the current year to date average.\u00a0 Therefore it is sometimes possible to count overtime when less than 2 years, although it helps to be closer to 2 years.\u00a0 Just like commission and bonus income, the likelihood to continue is important.<\/p>\n<p>[av_button_big label=&#8217;Overtime Income and Buying a Home&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2016\/06\/04\/overtime-income-buying-home\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nCheck out this detailed article if looking to buy with overtime income<br \/>\n[\/av_button_big]<\/p>\n<h2>New Job May Not Require Employment History!<\/h2>\n<p>A common misconception is that in order to qualify for a mortgage, all borrowers must be employed for 2 years.\u00a0 This is often not the case!\u00a0 A lot of what we have spoken about deals with having\u00a0sufficient employment history.\u00a0\u00a0 But there are actually several cases where someone who has just started or WILL start a brand <a href=\"https:\/\/www.indeed.com\/\">new job<\/a>, may get mortgage approval.\u00a0 Common employment history occurrences include&#8230;<\/p>\n<ul>\n<li>Employment Offer or Employment Agreement<\/li>\n<li>Change of employer in same line of work<\/li>\n<li>New job after college<\/li>\n<\/ul>\n<h3>Job\u00a0Offer Letter or Employment Agreement<\/h3>\n<p>Actually at the time of this article, we have a buyer who is relocating to a new, salaried\u00a0job.\u00a0 So the tough part of moving to a new area is deciding where to live.\u00a0 Preferably, the buyer wants to buy a home and close shortly after starting the new job.\u00a0 The following\u00a0was the\u00a0timeline<\/p>\n<ul>\n<li>Employment start date August 15th<\/li>\n<li>Purchase contract provided August 4th<\/li>\n<li>First paycheck August 31st<\/li>\n<li>Purchase closing date August 31st<\/li>\n<\/ul>\n<p>In order to pull this off, we build a quality file and submit it early for underwriting approval.\u00a0 Since the buyer had not officially started the job as of the underwriting submission date, we used the job offer letter to document the income.\u00a0 Once the borrower starts the job, we would get the employment verified.\u00a0 But many would ask &#8220;What about a paystub for loan approval?&#8221;.\u00a0 Well, in cases of a salary or even hourly like this, it is possible for us to close without a paystub.\u00a0 We could actually\u00a0obtain the first paycheck\u00a0after closing.\u00a0 But, for this one we will receive the paystub on the day of the closing.\u00a0 So, the final result is the buyer&#8217;s family is able to move into their new home shortly after starting the new job and no paystub was needed for obtaining final approval!\u00a0 Keep in mind that this is a case by case situation and it depends on the overall strength of the file.<\/p>\n<h3>Changing Employers But Staying in the Same Line of Work<\/h3>\n<p>Just like the example above, when employees change jobs in the same line of work, it is possible to have no history on the new job.\u00a0 To verify employment stability, we would verify the prior employment history.\u00a0 The new job basically needs to make sense.\u00a0 Was there a pay increase, shorter commute, or other tangible reason for the change?\u00a0 It is much easier to allow this employment change when the pay is salaried or base hourly pay.\u00a0 New employment with commission, bonus, or overtime income is very difficult to include.\u00a0 But, in certain cases with strong similarities to the prior job and assurances from the new employer, it may be possible to count variable income sources like these.<\/p>\n<p>If considering the purchase of a home and a job change, it is important to discuss these with an experienced loan officer.\u00a0 Make sure not to assume that just because the job is the same type, that it will definitely be ok to switch.\u00a0 Plus, NO MATTER WHAT, do not change jobs during the mortgage process!\u00a0 Believe it or not, this happens way too often and even after warnings.\u00a0 Changing jobs during the loan process could at minimum cause closing delays and may even deny a mortgage loan.\u00a0 Again, stay in constant communication with your experienced loan officer for best results!\u00a0 Also, check out these important tips to avoid closing problems&#8230;<\/p>\n<p>[av_button_big label=&#8217;Mortgage Loan Process Tips to Avoid. The Solution is be Boring!&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2015\/08\/16\/mortgage-loan-process\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n<h3>New Job After College<\/h3>\n<p>Believe it or not, a buyer may actually get approved with no employment history AT ALL.\u00a0 In the case where a buyer has just received a college degree and then starts a new job, the income could be counted right away.\u00a0 That&#8217;s right, no employment history and a new salary or full time hourly pay could be counted immediately.\u00a0 Basically, here is what would be looked for in these cases&#8230;<\/p>\n<ul>\n<li>Provide college degree<\/li>\n<li>Provide unofficial school transcripts<\/li>\n<li>Job related to degree<\/li>\n<li>College serves as employment history<\/li>\n<li>Salaried or base hourly pay allowed<\/li>\n<\/ul>\n<p>To take it even further, it is possible to get a mortgage loan while in college and even while receiving no income.\u00a0 But, to accomplish this, there would need to be a borrower with sufficient income involved.\u00a0 The other borrower could be someone that would live in the home or even a co signor that would not live in the home.\u00a0 A co signor may be a family member or others.<\/p>\n<p>A common occurrence these days is that graduating students have student loan debt.\u00a0 While these debts may be a large amount, <a href=\"http:\/\/teammovemortgage.com\/blog\/2017\/05\/05\/fannie-mae-student-loans\/\">mortgage programs have loosened <\/a>how this debt is treated when it comes to qualifying.\u00a0 The most beneficial treatment of student loan debt includes <a href=\"http:\/\/teammovemortgage.com\/blog\/2017\/05\/05\/fannie-mae-student-loans\/\">Fannie Mae loans using income based repayment (IBR)<\/a> payments reporting on the credit bureaus.\u00a0 The old way required lenders to count 1% of the balance or the future fully amortized payment.\u00a0 The new way is much better.\u00a0 Additionally, <a href=\"http:\/\/teammovemortgage.com\/blog\/2017\/02\/02\/student-loan-debt-va-loans\/\">VA loans will even allow zero payments <\/a>to be counted as a debt when the student loan payments are deferred greater than one year after closing.\u00a0 Furthermore, VA will also allow for a preferred calculation of IBR payments.\u00a0 Both allow for more qualifying buyers.\u00a0 FHA and USDA will use 1% of the outstanding balances or the fully amortized payment.<\/p>\n<h2>2nd Job Employment History<\/h2>\n<p>One area that is strict on employment history deals with counting multiple jobs.\u00a0 Holding down 2 jobs is tough to do.\u00a0 So in order to count a 2nd or even 3rd job, there must be a consistent history for at least 2 years.\u00a0 Basically, there cannot be any job gaps on either job to count the additional income.\u00a0 For instance, if someone has worked a primary job for 3 years and started a 2nd job 6 months ago, the 2nd income could not count.\u00a0 What if a year ago, the buyer held another 2nd job?\u00a0 Well, there would be a 6 month gap.\u00a0 So there would need to be more time on the 2nd job to count the income.<\/p>\n<h2>Pastoral Income &amp; Housing Allowance<\/h2>\n<p>Unless you are a pastor, you may wonder why we are talking about this specific income.\u00a0 Well, the reason is that pastors across the U.S. constantly contact us about other\u00a0lenders not understanding their income structure or employment history.\u00a0 First of all, pastoral income may be structured in many ways.\u00a0 But the most popular is receiving some level of base pay in the form of a W2.\u00a0 Additionally and the most misunderstood portion is <a href=\"http:\/\/teammovemortgage.com\/blog\/2014\/08\/03\/pastor-housing-allowance\/\">pastoral housing allowance<\/a>.\u00a0 A housing allowance is usually paid to a pastor in the form of a check which should be excluded from <a href=\"https:\/\/www.irs.gov\/\">IRS taxes<\/a>.\u00a0 For this reason, the additional income will not show up on the tax return.\u00a0 But, with sufficient documentation pastoral housing allowance may be counted on any mortgage product.<\/p>\n<p>[av_button_big label=&#8217;Learn More About Pastoral Housing Allowance&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2015\/12\/15\/pastoral-housing-allowance\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nOne of our most popular articles<br \/>\n[\/av_button_big]<\/p>\n<h2>Self Employed Employment History<\/h2>\n<p>Business owners often cringe when it comes time to qualify for a mortgage.\u00a0 The main reason is that self employed income is calculated differently than a w2 employee.\u00a0 Lenders do not go by the gross earnings of a business, but by the net.\u00a0 Of course business owners very often want the bottom line to be as low as possible in order to pay less taxes.\u00a0 So this causes an issue when lenders go by that figure.\u00a0 Although there are some figures which potentially may be added back to be included in the bottom line.<\/p>\n<p>Another area of concern may be length of time in business.\u00a0 Many entrepreneurs make the jump to being their own boss so that they can do it their way and build the better mouse trap.\u00a0 Typically lenders are looking for a minimum of two years of tax returns for calculating income.\u00a0 While using 2 years of tax returns, lenders will average the calculated income over 24 months.\u00a0 But, if the income is lower in the most recent year, the lower year may be used.\u00a0 If the drop is significant, the income may not be able to be used at all.<\/p>\n<h3>Self Employed Solution with One Year of Tax Returns<\/h3>\n<p>Recently we have been able to approve self employed buyers with only 1 year of tax returns!\u00a0 Now, it is tough for\u00a0a business to turn a profit in the first year in business.\u00a0 But for those that do it, there could be a viable mortgage option.\u00a0 For a conventional or Fannie Mae loan, it is very possible to get this 1 year approval.\u00a0 Basically, the stronger the credit profile, assets, and other areas for the borrower, then the better chance of obtaining this approval.<\/p>\n<p>[av_button_big label=&#8217;See How Fannie Mae Loosed Guidelines for Self Employed&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2017\/06\/12\/fannie-mae-loosens-guidelines\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n<h2>Rental Income<img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-6560\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2017\/08\/AdobeStock_35360224-300x200.jpeg\" alt=\"rental income history\" width=\"300\" height=\"200\" \/><\/h2>\n<p>Whether it is by choice or necessity, a lot of buyers may have a rental property.\u00a0 Maybe it is a recently converted primary residence or even currently buying a rental property.\u00a0 Depending on the scenario and loan type, often there are solutions to use new rental income to qualify.<\/p>\n<h3>Converting a Primary Residence to a Rental<\/h3>\n<p>Sometimes rather than selling a current home, a homeowner may decide to rent out the current home to buy another.\u00a0 Using this brand new rental income for qualification depends on the loan type.\u00a0 The good thing is there are several options.\u00a0 VA loans are the most lenient as new rental income may be counted up to 100% of the new rental agreement.\u00a0 Although if the gross rent exceeds the total mortgage payment, the extra profit may not be counted.\u00a0 Counting this rental income is huge, especially when it covers the rental property mortgage!\u00a0 Furthermore, if using a Fannie Mae conventional loan, 75% of the new rental may be used towards covering any existing mortgage, taxes, and insurance.\u00a0 FHA will use the same 75%, but in order to do this FHA requires an appraisal to prove the new rental property has at least 25% equity.\u00a0 Meanwhile, USDA will not allow new rental income as it requires a 2 year rental history on tax returns.<\/p>\n<h3>Purchasing a Rental Property &amp; Using Market Rent to Qualify<\/h3>\n<p>Investing in real estate is getting more and more popular.\u00a0 Not only could it appreciate in value, but tenants are helping the landlord pay down the debt.\u00a0 Rental property purchases require a minimum of 15% down, but it is more popular and affordable to put down 20-25%.\u00a0 Qualifying for an additional property may be tough as another potentially large payment is being added to a borrowers debt ratio.\u00a0 But a huge advantage of buying a rental property with a Fannie Mae loan is that 75% of the market rent may be used to lower the debt ratio.\u00a0 Market rent is determined by the appraiser of the property.\u00a0 The appraiser compares the home to other rentals in the market and a monthly rental income is tallied.\u00a0 So for instance, if the appraiser says the market rent for the property is $1000, then 75% or $750 may be used as income for the buyer.<\/p>\n<h3>Rental Property Reporting on Tax Returns<\/h3>\n<p>If a buyer of a primary residence owns a rental property which already reports on tax returns, it is possible to be used as income.\u00a0 If not a profit, hopefully at least it helps offset part of the housing debt.\u00a0 Typically the most recent filed tax return may be used to calculate the net rental income.\u00a0 To find rental income, go to schedule E of the individual federal <a href=\"https:\/\/www.irs.gov\/\">tax return<\/a>.\u00a0 This is the page that lenders use to calculate <a href=\"http:\/\/teammovemortgage.com\/rental-properties\/\">rental income<\/a>.\u00a0 But don&#8217;t just use the top or bottom line as there are items to add and subtract.\u00a0 Just let us calculate the rental income for you.\u00a0 When using tax returns for rental income, <a href=\"https:\/\/portal.hud.gov\/hudportal\/HUD\">FHA<\/a> does not require proof of equity in the rental.\u00a0 Keep in mind, <a href=\"https:\/\/www.rd.usda.gov\/\">USDA<\/a> requires two years of rental income reporting on tax returns.<\/p>\n<p>[av_button_big label=&#8217;Learn More About Buying Rental Properties&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/rental-properties\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n<h2>Contact Us for Employment History Solutions<\/h2>\n<p>As you can tell, there are a lot of options for newer employment history.\u00a0 So hopefully this article has shared helpful ideas for you.\u00a0 The important thing is to contact one of our loan officers for a discussion.\u00a0 Even if approval is not possible right now, a plan could be in place now for later.<\/p>\n<p>[av_button_big label=&#8217;Contact Us for Your Mortgage&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/contact-us\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Capacity, credit, collateral, and capital are considered the 4 C&#8217;s of mortgage lending.\u00a0 Basically, these are the main areas lenders review to qualify a borrower.\u00a0 But these 4 categories are broken down into many subsets.\u00a0 This article is going to discuss the capacity to pay back the loan and more specifically discuss the role of [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6561,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,33,17,40,41,48],"tags":[1045,1046,702,719,1047,1048,1049,734,1050,100],"class_list":["post-6532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-frequently-asked-questions","category-products","category-tips","category-usda","category-va-loans","tag-2nd-job","tag-bonus-income","tag-commission-income","tag-commission-income-less-than-2-years","tag-employment-history","tag-job-offer-letter","tag-new-job","tag-overtime-income","tag-pastoral-housing-allowance","tag-pastoral-income"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Employment History Caused a Mortgage Denial? Check These Solutions for Mortgage Approval<\/title>\n<meta name=\"description\" content=\"Employment history is important in commission, bonus, overtime, brand new jobs, second jobs, self employed, and more. It doesn&#039;t always have to be 2 years!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/employment-history\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Employment History Caused a Mortgage Denial? Check These Solutions for Mortgage Approval\" \/>\n<meta property=\"og:description\" content=\"Employment history is important in commission, bonus, overtime, brand new jobs, second jobs, self employed, and more. 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