Using commission income on a VA loan: averages, tax returns, and pitfalls. The 2 Mortgage Guys at Luminate Bank in Kokomo, nationwide.
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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.
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.
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Ryan & Steve will average your commission, check DTI and residual income, and match you to a lender who understands variable pay.