Can Overtime Income Be Used for a Conventional Loan? | 2MG

Steve DeLon NMLS# 202876

NMLS#

1221 Appletree Lane, Kokomo, IN 46902

© The 2 Mortgage Guys at . All rights reserved.

• The 2 Mortgage Guys logo

• Loan Programs
• Client Benefits
• More Pages
• setMobileMenuOpen(!mobileMenuOpen)}>
• window.open('https: Conventional Overview How Overtime Qualifies Lenders average historical overtime rather than assuming your best month continues forever. What Can Limit Overtime Income These red flags make underwriters cautious. Documents Underwriters Want Have these ready before pre-approval. How We Maximize Usable Overtime We calculate both conservative and full averages so you know your real buying power. Keep Exploring Related guides to help you compare options and move toward pre-approval. Related Calculators Run the numbers before you apply — then get a real pre-approval from Ryan or Steve. 2MG Daily Related Blog Posts Recent articles from our blog on conventional loans, credit, and homebuying. {blogLoading ? ( ) : blogError ? ( Try Again
• navigate('/blog')} className="px-5 py-2.5 rounded-xl text-[#020617] text-sm font-semibold transition-all active:scale-[0.98]" style= >Visit Our Blog
• navigate('/blog')} className="px-6 py-3 rounded-xl text-[#020617] text-sm font-semibold transition-all hover:shadow-[0_0_20px_rgba(30,205,241,0.25)] active:scale-[0.98]" style= >View All Posts
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between gap-4 px-5 py-4 text-left transition-all active:scale-[0.99]">

• } className="flex items-center gap-2 cursor-pointer"> The 2 Mortgage Guys
• } className="text-sm font-medium transition-colors hover:text-white text-white/60">Meet The Team
• } className="text-sm font-medium transition-colors hover:text-white text-white/60">Contact Us
• setProgramsOpen(false)} className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-white/[0.05] text-white/80">
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-white/[0.05] text-white/80">
• } className="text-sm font-medium transition-colors hover:text-white text-white/60">OUR BLOG
• setClientBenefitsOpen(false)} className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-white/[0.05] text-white/80">
• setMoreOpen(false)} className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-white/[0.05] text-white/80">
• } className="block w-full text-left text-sm font-medium py-2 text-white/80">Meet The Team
• } className="block w-full text-left text-sm font-medium py-2 text-white/80">Contact Us
• setMobileMenuOpen(false)} className="block w-full text-left text-sm font-medium py-2 text-white/80">
• } className="block w-full text-left text-sm font-medium py-2 text-white/80">
• } className="block w-full text-left text-sm font-medium py-2 text-white/80">OUR BLOG
• } onBlur= >Skip to main content
• } className="hover:text-[#1ecdf1] transition-colors">Home
• } className="hover:text-[#1ecdf1] transition-colors">Conventional Loans
• } className="px-8 py-4 rounded-xl text-sm font-semibold border border-[#1e293b] text-[#e2e8f0] transition-all duration-200 hover:bg-white/[0.05] active:scale-[0.98]">Conventional Overview
• } className="group rounded-2xl border border-[#1e293b] bg-[#0f172a] p-6 transition-all duration-200 hover:border-[#1ecdf1]/40 hover:-translate-y-1 active:scale-[0.98]">
• } className="block border-t-2 pt-5 transition-all duration-200 hover:-translate-y-1 active:scale-[0.98]" style= > Open calculator →
• } className="px-8 py-4 rounded-xl text-sm font-semibold border border-[#1e293b] text-[#e2e8f0] transition-all duration-200 hover:bg-white/[0.05] active:scale-[0.98]">Contact Us
• Facebook
• Twitter / X
• Instagram
• YouTube
• TikTok
• LinkedIn
• Privacy Policy
• Terms of Service
• (765) 450-8933
• } className="w-full sm:w-auto inline-flex items-center justify-center gap-2 px-5 py-3 rounded-lg text-sm font-bold transition-all active:scale-[0.98]" style= > Get Started