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Can I get a mortgage if I work through a temp or staffing agency?
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Yes, you can get a mortgage if you work through a staffing agency.
But there’s a catch. Most big banks and online lenders won't count your staffing agency income when approving your loan.
Banks often view contract or temporary work as unstable due to internal lending rules. Without counting your income, buying a home feels impossible. The solution is working with a lender that values your actual financial stability over rigid guidelines.
Paul, an IT specialist, recently relocated to Chicago.
He earns well above average, but a big bank denied his mortgage application simply because his income came from a staffing agency.
Even with his strong employment history, Paul felt stuck.
He knew he needed a lender willing to look beyond his staffing agency paycheck and consider his complete financial story.
Why do most banks reject staffing agency income?
Most big banks and online lenders use something called "overlays," which are extra internal rules beyond standard mortgage guidelines. Unfortunately, these additional policies often automatically disqualify staffing agency income.
Banks categorize temporary or contract work as risky and unstable. Because of this, they usually reject these applications immediately, without ever looking deeper.
When Paul applied through a well-known online lender, their automated system flagged his staffing agency income as unstable.
His application got rejected instantly, without a real human review.
They never saw Paul’s stable two-year track record or his growing earnings.
They relied on their system’s strict rules instead of common sense.
If you're ready to turn your homeownership dreams into reality, our experts are here to help. Get the expert guidance and thoughtful review you deserve today. NewCastle Home Loans is currently lending in Florida, Illinois, Indiana, and Tennessee.
How does NewCastle Home Loans approve staffing agency income?
NewCastle Home Loans approved staffing agency income as long as you meet a few simple criteria. Unlike big banks, we don’t use restrictive overlays. Instead, we focus on your actual earning history and financial stability.
If you can demonstrate consistent earnings from temporary or contract assignments for at least two years, and if your income is likely to continue, we'll use it to qualify you for your mortgage. Our goal is simple: we want to understand your complete financial picture, not just the name of your employer.
When Paul came to NewCastle, we approached his case differently.
Instead of dismissing him automatically, we reviewed his two years of steady and increasing IT income.
It was clear his staffing agency employment was stable, reliable, and likely to continue.
That’s the expert review and thoughtful consideration every borrower deserves.
How long do I need to be with my current staffing agency?
If you can document at least 12 to 24 months of consistent employment in the same type of work, even if you changed employers, we'll consider that sufficient evidence of stable income.
At NewCastle, we don’t require a minimum length of time with your current staffing agency. We're more concerned about your history and pattern of income than your current agency alone.
You need to show a consistent earning pattern in your field.
Paul had worked as an IT professional for over three years, employed by three different companies.
His income remained consistent throughout these assignments.
Even though he changed jobs and is now employed through a staffing agency, NewCastle recognized his solid history as proof of stable income.
What type of mortgage can I get if I work through a staffing agency?
You can qualify for Conventional, FHA, or VA loans if you work through a staffing agency.
Your job type doesn’t limit your loan options. As long as your income is stable and documented, you have full access to the same mortgages as any other borrower.
Down payment requirements stay the same, too:
- Conventional loans: As little as 3% down.
- FHA loans: Minimum 3.5% down.
- VA loans: 0% down if you qualify as a veteran or active-duty service member.
Your interest rate won’t increase because of staffing agency employment. NewCastle Home Loans offers better rates than large banks or online lenders. As a local mortgage lender, our lower overhead and efficiency allow us to streamline the process, saving you money. We pass these savings directly on to you.
Paul experienced this firsthand.
After the big bank rejected him, he was pleasantly surprised to learn he qualified for an FHA loan through us.
Even better, he made a 3.5% down payment, and his interest rate and payment were lower than what the large lender had initially quoted.
Curious how much you could save? Check our current mortgage rates today. We promise complete transparency, competitive pricing, and zero hidden fees. NewCastle Home Loans is currently lending in Florida, Illinois, Indiana, and Tennessee.
What are the requirements for a mortgage with staffing agency income?
To qualify using staffing agency income, your earnings must be stable and likely to continue.
We verify this through two years of consistent employment history.
You’ll need to provide:
- Recent pay stubs
- Two years of W-2 statements
- Staffing agency employment offer letter or agreement
NewCastle Home Loans will verify your employment with your employers for the last two years, including confirmation from the staffing agency that employs you now.
Will my staffing agency employment agreement be an issue?
A staffing agency employment agreement with a fixed end date can cause some lenders to worry about your income continuity.
Since mortgages are long-term commitments, lenders prefer income sources expected to last at least three years.
If your contract has an expiration date, you'll need to show evidence that your income will likely continue.
You might do this with past contract renewals, letters from your staffing agency indicating future extensions, or documentation showing strong demand for your skills.
Paul’s current staffing agency provided a letter confirming the high likelihood of contract renewal due to strong market demand for IT specialists.
With this confirmation, we confidently approved Paul's mortgage.
Are short employment gaps an issue?
Short gaps between assignments aren’t a problem when applying for a mortgage with staffing agency income.
At NewCastle, we understand brief pauses are normal for contract workers in many fields. Instead of penalizing you for short employment breaks, we focus on your overall earning pattern.
We will review the reason for any gaps, their duration, and your entire employment history to determine income stability.
A two-week break between jobs won't disqualify you if your income has been consistently stable for the previous two years.
Paul had a two-week gap after moving from Orlando to Chicago.
Some lenders may have seen this gap as an issue. NewCastle saw it for what it was, a natural transition between jobs.
Paul’s steady employment history demonstrated ongoing financial stability, so the short gap wasn't a concern.
How to get approved for a mortgage with staffing agency income
The first step is to get pre-approved by a lender that accepts staffing agency income.
A generic pre-approval from a big bank or online lender won't work because they usually reject temporary or contract employment income.
As a homebuyer working through a staffing agency, your best choice is a Verified Pre-Approval from NewCastle Home Loans. This gives you a decisive advantage because it proves we've already reviewed and approved your staffing agency income, employment history, and credit.
Our Verified Pre-Approval reassures sellers that your financing is reliable and your loan will close on time. Instead of worrying about your contract-based income, sellers see your offer as strong and secure, similar to a cash buyer. With this competitive edge, your offer stands out, helping you win the home you want without the risk of lender delays or surprises.
Are you ready to take the next step? Go ahead and get pre-approved today so you're prepared to buy a home. NewCastle Home Loans is currently lending in Florida, Illinois, Indiana, and Tennessee.
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