Can I buy a home with a part-time job?
Yes. Part-time income counts when you've held the job about two years, since lenders want to see it's stable and likely to continue. A brand-new part-time job usually can't be counted yet.
If part-time work is your main income, two years of W-2s and recent pay stubs document it. We'll confirm the history and include the income toward your approval.
Part-time income and approval
Part-time pay can count toward a mortgage. Lenders usually want a two-year history in the role. Steady hours matter more than the job being full-time.
If part-time is your only income, expect a close look at reliability. Pair it with other income and it strengthens your file nicely.
Making part-time work in Florida
Many Florida buyers stack a part-time job onto a main one. Both can count with the right history. We know how each lender treats it.
Bring two years of pay stubs and W-2s. We will tell you how much of the part-time income the loan can use.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.