Can Commission Count for an FHA Loan?
Can Commission Count for an FHA Loan?
How FHA Treats Commission
What You Need to Document
Paper Trail
Underwriting Reality
How We Calculate Your Commission Income
Keep Exploring
Related Blog Posts
Frequently Asked Questions
Want Your Commission Income Counted?
Yes — FHA can count commission income when you have a stable history, usually about two years, and the income is properly documented on tax returns and paystubs. Ryan and Steve average commission the way underwriters will, so your pre-approval is not based on a one-time spike.
Commission is variable income — FHA and lenders look at history, documentation, and how it averages over time.
Gather these before underwriting so commission income counts without delays.
How lenders actually apply commission income to your FHA file.
We run the same averaging and documentation review underwriters use — before you shop for a home.
Step
Related guides to help you compare options and move toward pre-approval.
2MG Daily
Recent articles on FHA qualification and income.
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Ryan & Steve will review tax returns, W-2s, and YTD commission to calculate income that will hold up in FHA underwriting.
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