Get the letter right before you make the offer
Preapproval and job changes
Desk answer
A job change can affect your approval because lenders recheck employment before closing. A move to a similar role with similar pay is often fine, while a change to commission or self-employment can delay or derail approval. Tell your lender before you switch.
Last reviewed against the primary sources listed below.
Tell the lender
- New employer and start date.
- Pay structure.
- Offer letter.
Questions buyers bring to the desk
Can I change jobs after preapproval?
Possibly, but tell your lender first.
Do lenders check employment before closing?
Yes, they usually verify it again.