Final Mortgage Approval before closing

[Eli M.]

Dear BP community,

I have a question here, once I get pre-approved for a conventional mortgage, will they check my employment status right before the closing ? And if they will, what are the possible ways they could do it?

[Peter K.]

For the most part, they will look up contact info online and not just use a number you provide, but it depends on the employer.  Many larger employers use a service called The Work Number which is consistently updated and provides an automated response confirming employment status. 

Have to ask--are you trying to get around something?  Best approach is to find a really good loan officer and establish a relationship with them.  You can then ask them about the scenario you are concerned about to see what will or will not work.