<prompt> Human: Hey rpersonalfinance.I am in a unique position such that I just bought a house we close this week and I have also just got certified in my field. The certification can all but guarantee around 20k more a year for me and my family. However, we obviously both have the mortgage companys eye on us, as well as the potential pitfalls in changing jobs with new expenses. So my questions are as follows: When is it possible to change jobs, i.e., when does the mortgage company stop caring about that. Closing? A year into the mortgage? When is it wise to make this change? X amount in savings? Certain amount paid down on the house? I get paid decently around 40k for what I do right now, plus overtime and on-call, but taking that next step is obviously a big plus, both financially and for my career.To give some context, we make just shy of 55kyear after taxes, married, wife works full time, our mortgage is about 950month, after closingmoving in we will still have about 10k in savings. Other monthly debt payments include Car payment 365 and Student loans 350 - which we normally pay more toward, but this is minimum payment. Let me know what other information you might need.Edit - Thanks for the replies. I really appreciate it. Looks like Ill be fine after this week, so I will be seeking to secure a position and continue on down that route ASAP.  <response>: you could take the job even before closing, but it might mean a lot of extra paper work ahead of closing.Once you close, all of the scrutiny around your finances and income disappears. at that point theres a legal contract between you and the bank and you either pay your mortgage or they take your house. 