Obtaining a home loan as a new driver

A lot of lenders will accept less than two years if you have been in the same profession/job field rwo years or more.

 

Do you know your credit score? Needs to be around 700.

 

This is the right answer. Job tenure doesn't really matter, but they don't want you to move from real estate agent to car salesman to janitor. As long as you remain a driver without significant gaps in your employment history, you'll be fine.

Remember, though, that unless you have at least 20% down, you'll be paying PMI (Private Mortgage Insurance). In a conventional loan, you can typically get rid of it once you hit more than 20% equity, but again, the VA loan is the outlier, and you'll pay the PMI for the life of the loan.

Patience, grasshopper. Get your finances in order, get yourself a good down payment, pay off your other debts. If banks don't want to lend you money, there's a reason for that: you're at a high risk of failing to pay back the loan.