Commission Income
Can Commission Income Be Used?
How Commission Income Qualifies
Common Commission Pitfalls
Bring These to Pre-Approval
How We Underwrite Commission Files
Keep Exploring
Related Blog Posts
Frequently Asked Questions
Earn Commission and Ready to Buy?
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.
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
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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Share your W-2s and year-to-date pay with Ryan or Steve — we will calculate the commission average conventional underwriting can use.
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