I get what you mean—sometimes it feels like they just want a stack of random documents to see if you’ll jump through hoops. But I’m curious, has anyone actually had a lender explain what counts as “stable” beyond the basics? Or is it just whatever they feel like that day?
Honestly, when I refinanced last year, I asked the same thing. My lender said “stable” meant two years at the same job or in the same field, but then they wanted extra pay stubs and a letter from HR anyway. Felt like they were making it up as they went along... but maybe that’s just how it goes?
Yeah, that sounds about right—lenders seem to have their own “interpretation” of stable employment. When I went through the process, they wanted everything short of a DNA sample. Two years in the same field is the standard, but I’ve seen them get picky if you’ve switched jobs, even within the same industry. It’s like they’re looking for any reason to ask for more paperwork... I guess it’s just part of the game.
It’s like they’re looking for any reason to ask for more paperwork...
Couldn’t agree more. I had a client with a rock-solid job history, but because she switched companies (same role, better pay), the underwriter wanted letters from both employers. It’s not always logical, but that’s the reality—especially with FHA. They’ll dig into every detail if they can.
It’s honestly wild how deep they’ll go sometimes. I had a couple last year—both on work visas, super stable jobs, great credit, all that. We thought we had everything lined up, but the underwriter kept circling back with more requests. Pay stubs, letters from HR, proof of continued employment, even extra documentation about their visa renewals. It felt like every time we checked off a box, another one popped up.
What gets me is, it’s not always consistent. One lender might be chill about a recent job change, while another wants a paper trail back to the dawn of time. I get that they have to be thorough, but sometimes it feels like a scavenger hunt. Especially with FHA—they’re notorious for wanting all the i’s dotted and t’s crossed.
I’ve noticed that if there’s anything even a little “different” about the file—like non-permanent residency or a gap in employment—they’re way more likely to go digging. It’s not always fair, but I guess they’re just covering their bases.
Honestly, I wish there was a way to make the process less stressful for buyers. I’ve had folks get so discouraged by all the back-and-forth. Sometimes I joke that the underwriters are just trying to keep us on our toes... but yeah, it can be a real headache. Just gotta keep rolling with it and hope for a smooth ride next time.
