Think you’ll lose your home if you change jobs during the buying process? This real buyer story breaks down what actually happens—and when it’s okay.

One of the most common fears for first-time homebuyers is making a mistake that could kill their deal. Changing jobs during escrow is often seen as one of the biggest risks—and for good reason. Lenders rely heavily on stable income to approve your loan. In this episode, a buyer shares what happened when they were promoted and switched to a new full-time job while already under contract. The timing couldn’t have been tighter—their first paycheck from the new role came just days before closing.

Despite the stress, the deal still went through. Why? Because the job change stayed within the same field, the income remained consistent, and—most importantly—the lender was informed and able to adjust the loan in time.

“You can change jobs… I don’t recommend you do it a couple days before you close.” – David Sidoni, First Time Homebuyer Coach

Highlights

What really happens if you change jobs during escrow?
Can a promotion actually help your loan approval instead of hurting it?
How much does staying in the same field matter to your lender?
What should you do immediately if your income situation changes before closing?

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

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First Time Homebuyers: Changing Jobs Under Escrow (INTERVIEW)