Lenders focus on employment, income stability, and work history—especially if job change is recent.
Job changes within same industry, promotions, or higher pay are viewed positively; industry switches may require explanation.
Job offers can count as income if contract is signed, includes start date, salary, and no contingencies.
Strong credit score, low DTI, and larger down payment improve approval odds after a new job.
Pre-approval helps gauge eligibility and budget; stricter guidelines may apply for recent job changes.