Seems a bit too long in process. It's true that FHA doesn't like frequent job changes, but covid really hurt some people and they addressed that in their Mortgagee Letter 2022-09 Mortgagee Letter 2022-09 <= Hopefully that link works. This gave lenders guidance on how to handle calculating income after covid related job loss. Have you been asked to provide a letter of explanation regarding the job changes? . If/when asked to provide an explanation, make sure the letter is super detailed as to the events, complete with specific dates, all circumstances pertaining to job decisions, and don't hesitate to include the personal elements as to how it affected your life. Think of it as speaking directly to the underwriter.
The Federal Savings Bank / Member FDIC / Equal Housing Lender / Lending in all 50 States / 25 Years in the Mortgage Industry