How long must you be at a job to refinance?

Generally speaking, unless you are self-employed or receive commission or tipped income - the rule is simple. If you've been out of work LESS THAN 6 months, then you just need to be at the job long enough to provide the lender with 30-days worth of pay stubs. If you've been out of work LONGER than 6-months, you must be at the new job at least 6-months.

As long as you can show that your husband has been in school/vocational training for the last 2 years, you are good to go! Only requirement would be 30 days worth of paycheck stubs from his employer. Obviously, you need to be able to qualify, but no worries regarding him being off work for two years.

There's a lot of details missing to properly answer your question, but generally 6 months or longer job gap, will require 6 months back to work.. However, if his college training puts him in a job that's related to his education, then the education timeline is treated as if he was working, so he just needs 30 days pay stubs and he should be fine..The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Hello Cheryl, you should be able to refinance all the properties now as long as your total income (including what income you show from the rental properties on your federal tax return). The rental properties may depend on when the last mortgages were closed, before June 2009 makes it much easier. Feel free to email pdumouchel@primelending.com or call me at 843-343-6383 anytime. Or, use my website: http://pdumouchel.primeLending.com Rates are great and you definitely should take advantage of the opportunity!