While every lender's underwriting standards are different, you can make a case if you are a salaried employee, have a stretch of 2 years employment history prior to the break in employment and if you are currently employed in the same field, or type of work as you were before the break in employment history. One would do this via a letter explaining the gap. It helps if the reason you were unemployed was due to downsizing at the company. 100% Commission employees need a two-year work history. If you are partial commission, partial salary, the amount you retain as salary needs to be sufficient to cover the underwriting standards of the loan you are requesting. Hourly employees need two year's work history.Still have questions? Ask Us.