Since the Great Recession, they tightened and have finally normalized to something predictable (and rational I might add). With employers getting more and more creative in the way they hire, more and more would be homeowners with stable income find them self asking, “How long do I need to be 1099’d to get a mortgage or how long do I need to be self-employed to get a mortgage.” The guidelines for this were static for a long time and then loosened during the 2000’s.
