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Can recent unemployment affect me getting a mortgage? – Can recent unemployment affect me getting a mortgage?. A gap in employment won’t affect you. Write a letter of explanation as to why you were unemployed at the time.. that gap of employment should have no impact on being approved for a mortgage. There are programs available that require no.
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You’re working on your mortgage application to secure a loan for your dream home. Then your loan officer tells you to write a letter of explanation about a few missed credit card payments from several years ago and your brief period of unemployment when your company downsized.
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The lending atmosphere is rife with misconceptions about job gaps, job. and your employer – in order to close on a mortgage: an offer letter,
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