Process · 5 min read
Can I change jobs before my mortgage closes?
August 10, 2026 · Written by Bill Egan, NMLS 7342
Short answer
Sometimes, if the new job is similar work, similar or higher pay, and you can document the offer. Switching from a regular paycheck to 1099 or commission work, taking a pay cut, or leaving a gap with no job can stop the loan. Egan Financial Group LLC also has to confirm you still work there shortly before closing. Tell us before you give notice.
01
Why this comes up
A better offer landed while you are under contract. You do not want to lose the raise, and you do not want to lose the house. You called because nobody explained that this loan is tied to the job that is already on the application.
02
Where this goes wrong
This is where files die. You quit, and the old employer tells the verifier you no longer work there. The new job has not paid you yet, or it pays you as a contractor instead of a W-2 employee. The underwriter cannot use that income. The rate hold expires. The seller will not extend. Earnest money is at risk over a start date on a calendar.
03
What we do about it
Tell us before you resign. If the new job can work, we collect the offer letter, the start date, and how you are paid, then we re-run the file. Egan Financial Group LLC originates, underwrites, and funds here, so we are not waiting on a national employment desk to notice you left.
04
How to get ready
Do not give notice until we have looked at the offer. Same line of work and a regular paycheck is easier than a brand-new field or contract work. Keep the first pay stub if you have one. If you are on a probation period, say so. A raise that starts after closing does not help this loan.