Jumbo loans can use bonus, commission, and overtime with a two-year history. See how Indiana buyers document variable income.
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Bonus, Commission & Overtime
Variable income can count toward a jumbo approval when history and continuity are clear. We average what investors will actually use — not the best month on your paystub.
Jumbo underwriters treat bonus, commission, and overtime as usable income when W-2s, paystubs, and employer verification show a consistent pattern — typically over two years — and the income is likely to continue.
One-time signing bonuses, irregular spikes, or a brand-new commission role often get limited or excluded. Declining trends usually pull the average down to the more recent year.
Investor overlays vary and are subject to change.
Small documentation details decide whether overtime and bonuses fully count.
No guessing from a single large paycheck.
• Two-year average of bonus, commission, and overtime when trends support it
• Adjustment for declining years so your pre-approval matches underwriting
• DTI impact modeled with and without variable income when history is thin
• Clear list of docs to gather before you shop Indiana homes above conforming limits
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We average variable income the way jumbo investors will — so your buying power is real.