Can I use bonus income to qualify?

Usually yes, if the bonus is consistent. Lenders average bonus income over the past two years and require a likelihood that it continues, typically confirmed by your employer or shown on W-2s and pay stubs.

A one-time or brand-new bonus generally can't be counted. If your bonus has a two-year track record and your role makes it ongoing, we can include it to boost your qualifying income and the price range you reach.

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