Overtime Income
Can Overtime Income Be Used?
How Overtime Qualifies
What Can Limit Overtime Income
Documents Underwriters Want
How We Maximize Usable Overtime
Keep Exploring
Related Blog Posts
Frequently Asked Questions
Want Overtime Counted Toward Your Pre-Approval?
Yes — when it is likely to continue. Conventional underwriters typically want a history of overtime (often about two years) and evidence it is stable, not a one-time spike. Documented consistently, overtime can meaningfully boost buying power.
Lenders average historical overtime rather than assuming your best month continues forever.
These red flags make underwriters cautious.
Have these ready before pre-approval.
We calculate both conservative and full averages so you know your real buying power.
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 recent paystubs with Ryan or Steve — we will calculate the overtime average lenders are likely to use.
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