Yes. Conventional lenders regularly qualify borrowers who earn commission, as long as the history is stable and well documented. Expect underwriters to average commissions over roughly two years and watch carefully for declining trends.
Variable pay is usable when history proves it is reliable.
A two-year commission track record is the standard expectation for full use.
Lenders average commissions across the history window instead of using your best month.
Many files combine salary and commission; both need clear documentation.
If earnings are falling, underwriters may use the lower recent average.
Commissioned borrowers often need tax returns in addition to W-2s and paystubs.
These issues slow or reduce usable income.
More clarity means fewer underwriting conditions.
We calculate income the way automated underwriting will — before you shop.
Step 1
Gather W-2s, returns, and YTD earnings.
Step 2
Apply the history window and expense adjustments.
Step 3
Show best-case and conservative qualifying income.
Step 4
Shop with numbers underwriting will support.
Related guides to help you compare options and move toward pre-approval.
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It is harder. Most lenders want about two years of commission history, though related experience can help in some cases.
Draws are reviewed carefully. What matters is documented commission earnings over time, not temporary advances.
Seasonal swings are normal. Underwriters average across the full history so one slow quarter does not define the file.
Often yes — self-employed or 1099 commission income usually needs tax returns and may follow self-employment documentation rules.
Share your W-2s and year-to-date pay with Ryan or Steve — we will calculate the commission average conventional underwriting can use.