Affordability & Income
Can I buy a home with commission income?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. Commission income counts when you have a two-year history, averaged over that period. If commission is more than 25% of your pay, lenders weight the two-year track record heavily.
A strong recent year won't fully count if the prior year lagged, since lenders average them. Bring two years of tax returns and recent pay stubs and we'll calculate your qualifying commission income.
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