Kentucky Mortgage Approval: Income and Job History Guidelines
Acceptable Income and Job History for a Mortgage Loan Approval in Kentucky

Employment History Requirements for FHA, VA, and USDA Loans in Kentucky


Learn how long you need to be on the job to qualify for an FHA, VA, or USDA mortgage loan in Kentucky. Find out the job duration required. Covers full-time, part-time, and seasonal employment documentation requirements.

Thinking About Buying a Home in Kentucky? Here’s What You Need to Know About Employment Guidelines for FHA, VA, and USDA Loans

You are getting pre-approved for a mortgage in Kentucky. This is especially true through government-backed loans like FHA, VA, or USDA. Underwriters consider your employment history as one of the most important factors. Whether you work full-time or part-time, your ability to show stable, verifiable income is critical for loan approval. This also applies if you work seasonally or have recently changed jobs.

Let’s break it down for each loan program:

FHA Loan Employment Requirements in Kentucky

  • Minimum job time: Preferably 2 years in the same line of work. However, less than 2 years can be acceptable with strong documentation.
  • Job gaps: Must be explained with written letters of explanation (LOE).
  • Part-time & seasonal income: Allowed if consistent for 2 years and expected to continue.
  • Documentation required:
    • Two years of W-2s or 1099s
    • 30 days of recent pay stubs
    • Written explanation for any employment gaps over 30 days

VA Loan Employment Requirements in Kentucky

  • Minimum job time: 2-year history preferred but flexible if veteran has strong residual income.
  • Active duty or civilian income: Both are eligible. LES (Leave and Earnings Statement) for military borrowers is required.
  • Job gaps: Written LOE required.
  • Part-time or seasonal: Allowed with 2-year history and proof it will continue.
  • Required documentation:
    • 2 years W-2s or tax returns
    • LES (military) or recent pay stubs
    • Verification of Employment (VOE) or LOE if gaps exist

USDA Loan Employment Guidelines in Kentucky

  • Minimum employment history: Typically 24 months but exceptions can be made for job stability and education in same field.
  • Seasonal or part-time jobs: Must have consistent 24-month history and documented likelihood of continuance.
  • Self-employment or gig work: Must show 2 years of income and tax returns.
  • Documentation checklist:
    • Pay stubs covering 30 days
    • 2 years W-2s or tax returns
    • VOE or employment contract if newly employed

Common Questions from Kentucky Homebuyers

Can I qualify for a mortgage if I just started a new job?
Yes, if it’s in the same line of work or you have a strong prior history. Some programs allow you to close before receiving your first paycheck with a job offer letter.

Do I need 2 full years of employment?
Not always. If you’ve recently graduated and are now working in your field, FHA, VA, and USDA loans may allow it with transcripts and employment letter.

What if I had a gap due to COVID, layoffs, or switching careers?
You must provide a signed letter of explanation and documents showing you’re now re-employed with stability.

Get Expert Help with Kentucky Mortgage Pre-Approvals

At EVO Mortgage, we specialize in helping Kentucky homebuyers navigate complex employment and income situations—whether you’re part-time, self-employed, or have a gap in your job history.

📞 Call or text Joel Lobb at 502-905-3708
🌐 Visit: www.mylouisvillekentuckymortgage.com
NMLS #57916 – Equal Housing Lender

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