Yes — with a documented two-year history and averaged earnings. Ryan & Steve walk lenders through your W-2s, 1099s, and tax returns so commission counts toward DTI and residual income.
Commission is variable income — lenders need history, stability, and the right tax docs.
Most investors want 24 months of commission earnings on W-2s, 1099s, or tax returns before adding it to qualifying income.
Lenders calculate a monthly average over the qualifying period rather than using your best single year.
If commission is dropping year over year, underwriters may use a lower average or exclude recent spikes.
Salaried workers with commission show W-2 box 1 plus commission detail. Self-employed or 1099 earners need full tax returns.
Counted commission raises gross income, improving debt-to-income ratio and VA residual income for your household.
Clean tax records and stable trends make commission income easy to count.
A quick income review tells you how much commission a lender will actually use.
Document commission correctly so underwriting does not discount variable pay.
Step 1
Collect W-2s, 1099s, and tax returns covering at least two years.
Step 2
We run the same averaging method your lender will use.
Step 3
Document one-time events that caused a temporary commission drop.
Step 4
Lock a pre-approval that includes every qualifying dollar.
Related guides on VA income and qualification.
How stable overtime is documented and averaged for VA approval.
How DTI limits work and what counts in the numerator and denominator.
How leftover income after debts is calculated for VA approval.
Program details and payment tools with Ryan & Steve.
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Most VA lenders require a two-year history of commission earnings. Shorter histories are rarely counted unless you have strong compensating factors and a willing investor.
Lenders typically average commission over the qualifying period. If earnings are declining, underwriters may use a lower figure or exclude the most recent spike.
W-2 commission boxes, 1099 forms, and full tax returns if you are self-employed or receive 1099 income. Paystubs alone are usually not enough for variable pay.
Yes. Counted commission raises gross monthly income, which improves debt-to-income ratio and feeds the VA residual income calculation for your region and household size.
Ryan & Steve will average your commission, check DTI and residual income, and match you to a lender who understands variable pay.