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First, they will want to know that your employment history is stable. Have you worked for the same employer for two years or more? If your current employment has been less than two years, a lender will look for other signs of stability, such as years with a previous employer or in the same field. Have you recently changed jobs? Did you leave because you had a better opportunity in your field or for better pay? The lender will verify your information with your employer. Steady employment indicates both personal responsibility and a reliable source of income. You will also need to provide proof of the total household income you want held accountable against the loan, as well as your outstanding debt and monthly expenses.