Can I qualify with overtime income?

Yes, overtime counts when it has a two-year history and is expected to continue. Lenders average it over 24 months, so a strong recent stretch won't fully count if last year was light.

Bring your last two years of W-2s and recent pay stubs that itemize overtime. We'll calculate the qualifying average and, if your field reliably pays overtime, fold it into your income for a larger approval.

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