The 'two years of history' rule has more exceptions than rules. Offer letters, same-field moves, and fresh graduates all have working paths — if you sequence it right.
Check your timingOffer, start date, application, closing — order matters more than people think.
Offer letter, pay structure, field continuity — packaged so underwriting nods.
Some programs care about start dates and first pay stubs. Nic navigates the ones that don't.
New job, new house, one well-planned season.
New hires, career changers, recent grads, and anyone told to 'come back in two years' by a lazy lender.
General guidelines, not a loan offer — programs and terms depend on your full picture.
No pressure, no jargon — just a straight answer about where you stand.