If you work through a staffing or temporary agency and are preparing to buy a home in Florida, understanding temporary agency employment mortgage requirements is critical. Many borrowers mistakenly believe temporary income will automatically disqualify them. The truth is, each loan program has specific rules, and with the right documentation, Florida homebuyers working through staffing agencies can absolutely qualify for a mortgage.

At North Star Mortgage Network, we specialize in helping borrowers with unique employment situations, including agency and contract workers, navigate the guidelines and secure financing.

Why Temporary Agency Employment Mortgage Requirements Matter

Mortgage lenders rely on stable, verifiable income. Temporary or staffing agency employment isn’t automatically seen as unstable, but it does require stricter documentation. That’s why it’s important to understand how Fannie Mae, Freddie Mac, FHA, VA, and USDA define “stable” and what paperwork is required to prove it.

Fannie Mae Temporary Agency Employment Mortgage Requirements

For borrowers applying through Fannie Mae:

  • 12 months required if income is hourly or variable; no minimum if salaried.
  • Paystubs and W-2s must be provided.
  • One or two years of tax returns may be required, depending on AUS findings.
  • A verbal verification of employment (VOE) must be completed within 10 business days of closing.

This program is ideal for Florida borrowers with steady agency employment, particularly those on salary.

Freddie Mac Temporary Agency Employment Mortgage Requirements

Freddie Mac is more conservative than Fannie Mae:

  • Requires two years of agency work in the same or similar industry.
  • Employment gaps must be documented and explained.
  • Paystubs with YTD earnings and two years of W-2s are required.
  • A verbal VOE must be completed prior to closing.

For borrowers in Florida with consistent agency employment over multiple years, Freddie Mac offers an option, though the requirements are stricter.

FHA Temporary Agency Employment Mortgage Requirements

FHA loans are often favored by Florida homebuyers, especially first-time buyers. Their rules for staffing agency employment include:

  • At least 12 months of staffing agency employment.
  • A two-year work history, or education/training transcripts if less.
  • Evidence of stable or increasing income.
  • W-2s and paystubs for the past two years, or paystubs plus a written VOE.
  • A verbal VOE within 10 business days of the note date.

FHA provides flexibility, particularly for borrowers transitioning from education or training into agency work.

VA Temporary Agency Employment Mortgage Requirements

VA loans are available to eligible veterans, service members, and surviving spouses. For staffing agency workers:

  • 12 months of agency employment is typical, but lenders may approve sooner if documentation (such as education or training transcripts) supports stability.
  • Must provide a two-year employment history.
  • Paystubs and W-2s, or a written VOE, are required.

Florida veterans with agency employment can often still qualify for VA financing with proper documentation.

USDA Temporary Agency Employment Mortgage Requirements

USDA loans support borrowers purchasing in eligible rural areas of Florida. Their requirements are:

  • At least one year of agency employment, though not necessarily with the same employer.
  • Four weeks of YTD paystubs and two years of W-2s.
  • IRS transcripts for all household members.
  • A verbal VOE within 10 business days of closing.
  • Employment gaps must be explained to the underwriter, who decides if income is stable.

For rural Florida homebuyers, USDA can be a powerful option, especially for households with multiple income sources.

Local Focus: Temporary Agency Borrowers in Florida

In Florida, staffing agencies support industries like healthcare, logistics, hospitality, education, and construction. These jobs are essential to our economy, yet many borrowers are told they don’t qualify for a mortgage because their employment is “temporary.”

That’s where North Star Mortgage Network makes the difference. Based in Jacksonville and serving all of Florida, we help borrowers document their history, explain gaps, and show underwriters the stability of their income.

How North Star Mortgage Network Helps Florida Agency Employees

Here’s what sets us apart when handling temporary agency employment mortgage requirements:

  • Pre-qualification upfront: We review pay history, W-2s, transcripts, and employment gaps before submitting your loan.
  • Program matching: We match you to FHA, VA, USDA, Fannie Mae, or Freddie Mac based on your history.
  • Gap support: We help craft clear explanations for any gaps in work history.
  • Local expertise: With over 25 years in Florida mortgage lending, we know how to structure files for approval.

If you’ve been told your temporary agency employment disqualifies you from a mortgage, it’s time to talk to North Star Mortgage Network. We have helped countless Florida buyers in staffing agency positions prove their income stability and achieve homeownership.

Call us today at 904-880-6741 or apply online. All we need is your credit score, estimated purchase price, and down payment amount to get started.

Your best interest is our principal concern.

Posted in blog