Question

Why is it important to a lending institution that a person present a 2 year job history when applying for a home loan?

Answer 1

So that they will be able to get employed and will be able to npay the loan off

Answer 2

Because when the company that is lending the money to the person who is applying for a loan, they see that that person has had a steady income.  Once they see that, they now know that they can be paid back by a portion of his income every month