Bonus Income
Can Bonus Income Be Used?
How Bonus Income Is Calculated
Bonuses That Are Harder to Use
What to Gather
How We Underwrite Bonus Income
Keep Exploring
Related Blog Posts
Frequently Asked Questions
Want Your Bonus Counted Correctly?
Yes. Conventional lenders commonly average bonus income over about two years when it is documented and likely to continue. A one-time signing bonus or a sharply declining bonus trail is harder to use than consistent annual bonuses.
Underwriters look for consistency, not just a big check last year.
These situations often need extra seasoning or cannot be fully counted.
Bring these to pre-approval.
We calculate what will actually stick in automated underwriting — not an optimistic guess.
Step
Related guides to help you compare options and move toward pre-approval.
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Recent articles from our blog on conventional loans, credit, and homebuying.
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Send Ryan or Steve your W-2s and recent paystubs — we will calculate the bonus average conventional underwriting is likely to accept.
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