short credit and work history, can I get a loan?

[Everitt Gill]

I'm 21, have about 1.5 years of spotty work history, a near 800 credit score, and $38k in cash and liquid assets. I want to buy my first property to Brrrr but I'm concerned that my limited work history and short credit history of only 1.5 years will be a turn off to lenders. I have been working a $10 per hour job for the last 2 months and this one is actually alright, there is a clear path I'm being pushed through to become a manager with a fantastic company in the state of FL. so I intend to build more work history here. are the pieces here for me to get a loan to buy a property? or will my limited work/credit history prevent it?

[Melissa Kirchhoff]

@Everitt Gill - Every lender seems to have different ideas about this, but talk to a few. If you're not there yet, get on a plan with one to get there -- It's not as hard as you think! Also, in my experience with this, I see lenders that will let you work for just a few months as long as it's full time, part time it needs to be around 2 years.

Also, your credit and cash seems good, so that's probably a good sign and will help a lender try to fight your case. Talk to a number and pick one you work well with and create a strong relationship with them and you will get far! (There was a bp podcast with an underwriter that would be good to listen to, I can't think of the number but google it!) Good luck!