re: first time home buyer?

One way an underwriter will look at this, is that you have 2+ years work history in same field/line of work.

If your income is consistent(didn't decline from '13 to '14) then you should be OK. Even with rules/regs to follow for FNMA/FMAC it can come down to underwriter discretion.

If your '13 W-2/'14 W-2 and tax returns show consistent income, you can explain that there has been no lack of earning potential. Your lender can provide a letter of explanation of why you switched(hopefully not terminated) If it's opportunity for advancement or took a higher paying position, that's good information to provide. I say all this assuming you are a dealer and claim your tips. If you are salary then you dont have as much to worry about

Further backing you, once you provide year to date pay stubs(at this point in the year) should show you have made about 50% of what you made in 2013 and 2014. On pace.

Once again, I have seen done this many times before.

It gets complicated if its 4 or 5 casinos over 2 years and pay slightly declines, those are inconsistencies underwriters 100% do not like.

Ultimately, this comes down to your specific bank or company you are using. Just be upfront when discussing income if your lender hasn't collected the above docs from you yet.