Affordability & Income
Can I use overtime income to qualify?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes, when overtime is consistent. Lenders average it over the past two years and need confirmation it's likely to continue, usually from your employer. A reliable overtime history can meaningfully raise your approval.
If your overtime is new or sporadic, it won't fully count yet. Bring two years of W-2s and pay stubs that break out overtime and we'll calculate the usable average.
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