Can Overtime Count for an FHA Loan?
Can Overtime Count for an FHA Loan?
When FHA Counts Overtime
Documentation Underwriters Want
What We Collect
How Averaging Works
How We Qualify Your Overtime
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Related Blog Posts
Frequently Asked Questions
Want Your Overtime Counted Correctly?
Yes — FHA can count overtime when it is stable, likely to continue, and documented. Lenders typically want about two years of history and average it carefully if it fluctuates. Ryan and Steve calculate your usable overtime before you shop so your pre-approval reflects real income.
Overtime must be stable, documented, and likely to continue before it counts toward FHA qualifying income.
Averaging rules vary by lender overlays — always confirm your specific calculation before you shop.
We document, average, and verify overtime so your pre-approval reflects income that will survive underwriting.
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Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will average your OT from paystubs and W-2s, confirm continuance, and show your true FHA buying power.
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