Most lenders are mainly concerned with your employment history for the last two years.  That means if you were worked at a clothing store in the mall through college and then upon graduation a few months ago landed a choice IT job you will still need to give reference information for the mall job.  Mortgage lenders want to make sure that you have a consistent history of steady employment.  Any gap in employment in the last two years will have to be explained.  If you took six months off from work to “find yourself” then you may instead find that you aren’t able to get a mortgage loan from some lenders. 

Some people who are self-employed run into problems when they apply for mortgage loans too.  As long as you have income verification, preferably income tax forms that you filed in the previous years, there should not be much of a problem.  If, however, you have been self-employed for only a few months and have yet to file a tax return statement then you will probably have to go with a sub-prime lender and pay a higher interest rate. 

It may be better for you to wait until you have had two years of consistent income before applying for a mortgage loan in order to get the best rates.  That may seem like a long time to wait, but the money you will save in lower interest rates will probably make the wait well worth it.