When FHA counts overtime toward qualifying income, history, and paystubs. The 2 Mortgage Guys at Luminate Bank, lending nationwide from Kokomo.
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Overtime Income
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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Ryan & Steve will average your OT from paystubs and W-2s, confirm continuance, and show your true FHA buying power.