When overtime counts toward a conventional loan, two-year history, and documentation. From The 2 Mortgage Guys at Luminate Bank in Kokomo, nationwide.
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Conventional Loans
Overtime Income
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.
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Share recent paystubs with Ryan or Steve — we will calculate the overtime average lenders are likely to use.