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folks will always ask me what if I change jobs well that hurt me no it will not hurt you as long as your income is the same or increasing and you go from a W-2 to a W-2 job if you go from W2 to self-employed you just started your clock over if you go from self-employed to W2 you just started your clock over so we need to have a two-year work history now even if you have gaps of employment that is okay to have a gap of employment lets just say you left Target and you were job hunting and you found something in the post office and it took you three months and you have a three month gap of employment that is okay Underwriters will just ask you for a letter of explanation but as long as you have a two-year combined work history we can still use the income