If a considerable portion of your income on the new job will come from bonuses, you may consider holding off on switching jobs. It is unlikely that Jacksonville Fl mortgage lenders will consider future bonuses as income unless you have had the same job for two years and have a record of receiving those bonuses. Part-time employees should not change jobs before purchasing a home. There is no way to tell how many hours you will work each week on the new job, so, your income cannot be accurately calculated. If you currently depend on over-time pay, and expect to do so at a new job, don’t switch jobs until after you are approved. If you remain at your current job, lenders will credit you with overtime income.  If you are self-employed, do not switch jobs before buying your home Florida Jacksonville. Lenders will want to view a two year record of self-employment income when approving a loan.  If you are considering a job change, it is probably in your best interest to hold off until you have purchased a home.