Refinancing your mortgage—little trick I learned to snag a better rate

Went through something similar last year—changed jobs mid-refi, and they definitely gave me the third degree on income stability. Weirdly though, once they saw it was a promotion in the same field, things smoothed out. Maybe lenders see certain job moves as less risky...?

Had a similar experience when we refinanced a couple years back. I'd just switched companies, same industry but slightly different role, and they grilled me pretty hard on job security and income consistency. Once I provided a detailed letter from HR confirming it was a step up career-wise, things relaxed noticeably. Seems lenders really do prefer seeing upward moves within the same field—probably signals stability to them...