Most conventional loans want about two years of self-employment history. See exceptions and documentation tips with The 2 Mortgage Guys.
Most conventional loans want about two years of self-employment history. See exceptions and documentation tips with The 2 Mortgage Guys.
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Most conventional loans look for about two years of self-employment history in the same field. Shorter histories can still work when you have related W-2 experience and strong documentation.
Guidelines start at roughly two years, but related experience can bridge a shorter gap.
These patterns commonly pass conventional underwriting when documents are complete.
Do not assume you must wait — run the file early so you know the realistic timeline.
Sometimes waiting for one more tax year unlocks a much higher purchase price.
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
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