[Sylvanfan]

The last time I moved I got my new employer to write a letter to my bank stating that I wasn't on a probation period. I told him I wouldn't take the job if he wouldn't do that because without I couldn't find a place to live. That way I could get approved for a different mortgage. Most employers should be able to lie to the bank for you, or just not mention that you are on probation.

I also stayed with the same bank and was able to avoid paying out an interest penalty. Even if you want to switch your mortgage to another bank, you should be able to get them to eat your interest payout penalty. 60% of your payment goes to interest on one of those things so for them to eat like $1200-1500 is something they'll get back out of you in 3 months. Most people don't have the time and audacity to switch lenders every 3 months for their mortgage.