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.
When overtime helps your file
Overtime works much like bonus pay. Lenders want to see it for two years running. They average it and add it to your base. Seasonal or one-off overtime usually will not count.
The key is consistency. If your hours swing wildly, expect a conservative number. If they hold steady, we can lean on that income to lift what you qualify for.
Get credit for the hours you work
Many Florida nurses, first responders, and trades workers earn real money in overtime. It should count toward your home. We document it the right way so underwriting sees stable income.
Bring two years of pay stubs and W-2s. We will map how much of your overtime the loan can use, then set a price range you can trust.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.