Can You Get a VA Loan Without 2 Years of Employment? Fort Worth Guidance for Military Transitions

 


Can You Get a VA Loan Without 2 Years of Employment? Fort Worth Guidance for Military Transitions

Can you get a VA loan without 2 years of employment?

Yes, in many cases you can. The VA doesn’t require a full two-year job history, especially for active-duty service members, recent veterans, or those with stable income sources. Annie Sovereign explains what Fort Worth buyers need to qualify and how to navigate employment exceptions.

Understanding VA Loan Employment Guidelines

Unlike conventional loans, VA loans have flexible guidelines around employment. Lenders want to see that you have a reliable and stable income—but it doesn’t always have to come from two years in the same job.

When 2 Years of Employment Is Not Required

- **Active-duty military:** Your service qualifies as proof of income

- **Transitioning service members:** Job offer letters may be accepted

- **Veterans with short work history:** As long as the new job is full-time and aligns with your experience

- **Spouses with income:** Can be counted if jointly applying

 

Lenders in Fort Worth familiar with VA loans understand these scenarios and often work with borrowers in transition.

Alternative Income Sources That May Help Qualify

- Military retirement or disability pay

- Social Security or VA disability benefits

- Income from a spouse or co-borrower

- Recent job offer or signed employment contract

- Consistent gig or freelance income (with documentation)

 

Annie Sovereign helps connect you with lenders who can evaluate nontraditional income fairly.

PCS to Fort Worth? Here’s What to Know

If you're moving to Fort Worth on orders, the VA and local lenders will consider your military status and transition timeline. You may be able to qualify with:

- A valid LES (Leave and Earnings Statement)

- PCS orders

- Proof of housing allowance (BAH)

 

Annie works closely with service members relocating to bases like NAS Fort Worth JRB or Fort Cavazos to streamline the process.

Tips for Getting Approved Without a Long Work History

- Work with a VA-experienced lender in Texas

- Provide all income documentation upfront

- Get a letter of explanation if your employment gap is recent

- Consider a co-borrower if needed to strengthen your file

- Choose properties that are VA loan-friendly and priced within your preapproval range

Why Annie Sovereign Is the Go-To VA Expert in Fort Worth

As a Military Relocation Professional and Homes for Heroes affiliate, Annie understands the unique needs of transitioning military families. She’s helped veterans and active-duty buyers purchase homes across Fort Worth without a full two-year employment record—and with confidence.

Neighborhoods Welcoming to Military Buyers in Transition

- **Westworth Village:** Close to NAS JRB, great for incoming officers

- **Benbrook:** Family-friendly with strong VA inventory

- **Lake Worth:** Affordable options with potential equity growth

- **Walsh Ranch (Aledo):** Great for new builds and long-term planning

Conclusion: Employment Flexibility Makes VA Loans a Great Option

Don't let a short work history stop you from exploring homeownership. With the right support, you can qualify for a VA loan and buy your next home in Fort Worth. Reach out to Annie Sovereign for personalized guidance tailored to your situation.

Annie Sovereign | Annie@AnnieSellsTexas.com | 817-875-8028 | www.anniesheroes.com


Location: Fort Worth, TX, USA

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