For ATR rules is the new job income ok to use for approval?
What ATR rules? You make your own rules now, since Appendix Q has been deleted. How to handle this should already be written into your credit underwriting policies and if it is not, it should be.
While just switching employers usually would not be a negative as far as length of continued employment, having some seasoning requirements for a new level of pay would not be unusual, unless they were working under an employment contract.
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