--- title: "Relocating to Utah: Income Seasoning When the Job Starts in 60 Days | Ondo Real Estate | Ondo RE" canonical: https://www.ondorealestate.com/blog/relocating-to-utah-job-seasoning/ --- # Relocating to Utah: Income Seasoning When the Job Starts in 60 Days The REPC clock still runs. The first Utah paycheck does not have to hit before every closing. [Home](/)[Learn](/learn/)First-Time BuyersFirst-Time Buyers Educational [← Mortgage learning hub](/learn/) If you are relocating to Utah and the new job starts in about 60 days, some conventional purchase files can use a fully executed, non-contingent offer letter as qualifying income — when the investor’s future-employment tests are met. Sixty days is a common borrower question. It is not a published “60-day rule.” Snapshot as of 2026-08 (Fannie Mae Selling Guide B3-3.3-03 Employment Offers or Contracts (confirm current). Overlays differ for FHA, VA, and Freddie Mac.). ## What Fannie Mae’s offer-letter path actually requires A job that starts in about 60 days can sometimes be used as qualifying income on a conventional purchase when the investor’s future-employment tests are met. Sixty days is a common borrower question, not a published Fannie Mae “60-day rule.” Fannie Mae’s path when a paystub is not in the file before delivery is limited: purchase of a one-unit principal residence, fixed base pay (not commission-only or self-employed income from the new job), employer is not a family member or a party to the transaction, and the start date is no earlier than 30 days before the note date and no later than 90 days after. The offer or contract must be fully executed and non-contingent; remaining conditions (background check, license) generally have to be cleared before closing. That no-paystub path typically adds reserve tests: often six months’ PITIA, or liquid resources to cover counted monthly liabilities (including the new PITIA) for the months between the note date and the start date, plus one. Confirm the guide in force. Future employment vs a new 1099 as of 2026-08. Freddie, FHA, and VA overlays differ.Question[W-2 offer, start within the investor window](/moving-to-utah/)[New 1099, commission-only, or start date too far out](/blog/just-went-1099-last-month/) What can countFannie Mae’s path when a paystub is not in the file before delivery is limited: purchase of a one-unit principal residence, fixed base pay (not commission-only or self-employed income from the new job), employer is not a family member or a party to the transaction, and the start date is no earlier than 30 days before the note date and no later than 90 days after. The offer or contract must be fully executed and non-contingent; remaining conditions (background check, license) generally have to be cleared before closing.Future self-employment or commission from a job that has not started is usually not this offer-letter path. Reserves when there is no paystub yetThat no-paystub path typically adds reserve tests: often six months’ PITIA, or liquid resources to cover counted monthly liabilities (including the new PITIA) for the months between the note date and the start date, plus one. Confirm the guide in force.A missing average is the problem, not only reserves. See two-year vs one-year overlays. Confirm the selling guide in force. This is not a lock, approval, or a 60-day promise. A brand-new 1099 or self-employed start is not this offer-letter path. See just-went-1099 and two-year vs one-year overlays. ## What is actually unique about Utah Utah-specific pieces are the closing venue (title company, deed of trust) and the REPC deadlines, which still run even if the first paycheck has not hit. Utah is not a community-property state. Commute and city context live on the moving-to-Utah page; this page is seasoning, not a second doorway city mill. Utah residential closings typically fund at a title company, not through a real-estate attorney as in attorney-closing states. Most Utah purchase loans are secured by a deed of trust recorded with the county, not a mortgage instrument. The purchase contract still has 5:00 p.m. Mountain Time deadlines even if payroll has not started — [what a Utah REPC deadline does to your loan](/blog/utah-repc-deadline-and-your-loan/). Cash besides down payment does not shrink because you are new in town: [cash to close](/blog/utah-cash-to-close-besides-down-payment/). Commute, rent, and city context belong on [New to Utah](/moving-to-utah/) — not on cloned city doorway pages. ## What happens next - Bring the signed offer: employer, position, pay type, start date, and any remaining conditions. - Ask whether the start date sits inside the investor window (often through 90 days after the note — confirm). - Line the REPC Financing & Appraisal Deadline up with underwriting, not with your first paycheck fantasy date. ## Common questions ### Can I close on a Utah house if my new job starts in 60 days? ### Does an offer letter work if the new job is 1099? ## Keep going [New to Utah: commute, rent, and buy Wasatch Front arrival context. Job seasoning for a purchase that closes before the first Utah paycheck is a separate guide.](/moving-to-utah/)[What a Utah REPC Deadline Actually Does to Your Loan Due diligence, financing, and appraisal are separate Utah contract clocks at 5:00 p.m. Mountain Time. A lender timeline is not a REPC deadline. Not legal advice.](/blog/utah-repc-deadline-and-your-loan/)[I Just Went 1099 Last Month A brand-new 1099 job is usually not yet a qualifying average. What still counts from W-2 history, when a one-year overlay even enters the chat, and what to do next.](/blog/just-went-1099-last-month/)[How Much Cash Do I Need Besides Down Payment in Utah? Earnest money, title, origination, prepaids, and reserves sit on top of down payment. Utah closings vary by county and title company.](/blog/utah-cash-to-close-besides-down-payment/)[First-time buyer cash, assistance, and closing How much cash besides down payment, how DPA stacks with gifts, and how Utah closings actually fund. Informational only.](/learn/first-time/)[Start a mortgage conversation What you will be asked, and what a conversation will not promise. This is not an instant approval, a lock, or a commitment to lend.](/qualify/) ## What to do next Education first. A conversation with a loan officer is how you find out what may actually fit your file. [New to Utah arrival desk](/moving-to-utah/)[Start a mortgage conversation](/qualify/) Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. [Licensing and disclosures](/licensing/)