How FHA treats part-time and second-job income, history, and documentation. The 2 Mortgage Guys at Luminate Bank, lending nationwide from Kokomo.
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Part-Time Income
Yes — FHA can count part-time income when it is stable, documented, and likely to continue. Many borrowers combine part-time jobs with full-time work, or qualify primarily on part-time earnings with enough history. Ryan and Steve document every job correctly so underwriting does not leave income on the table.
Stable, documented part-time work can boost qualifying income when underwriters see continuance.
Every employer needs its own paper trail — we gather documentation for each job before underwriting starts.
These issues can reduce or eliminate part-time income from your qualifying file.
We document every job correctly so your pre-approval reflects income underwriting will accept.
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Ryan & Steve will document each job, average hours correctly, and build an FHA pre-approval that reflects your real earnings.