Yes. Six months on the job with four years in the same field and no employment gap is a fine profile for a conventional loan. Job tenure by itself matters far less than people think. Underwriters care that your employment has been continuous and that you stayed in the same line of work. Someone can start a new job days before closing and be fine, as long as there is no gap and the move is a lateral or upward step within the same industry. Where tenure rules do kick in is after a real gap, and the trigger is shorter than most people assume: six months out of work, on both major programs. - Conventional: after a gap of six months or more, Fannie Mae wants you back on the job at least six months, plus a two-year work history in the same or related field before the absence. Gaps under six months typically just need a letter of explanation. - FHA: the same shape. After a gap of six months or more, you need at least six months back in the same line of work when the case number is assigned, and a two-year history before the absence. None of that applies to you, since your employment has been continuous in the same industry. So a conventional loan with 20% down is realistic here. Pinning down your actual qualification range and payment means running your specific numbers, which is exactly what the free Roadmap conversation covers, about 20 minutes, where we run your real numbers.