Overtime Income on a VA Loan | The 2 Mortgage Guys

Overtime Income on a VA Loan | The 2 Mortgage Guys

When VA counts overtime toward qualifying income, history, and paystubs. The 2 Mortgage Guys at Luminate Bank, lending nationwide from Kokomo.

Can Overtime Count for a VA Loan?

How VA Lenders Count Overtime

What Helps Your File

What We Check First

Overtime Income Action Plan

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Frequently Asked Questions

Overtime on Your Paystub? Let's Count It

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Overtime

Yes — when overtime is stable and documented. Ryan & Steve show lenders how to average your OT, document employer confirmation, and fold it into DTI and residual income the VA way.

Overtime is variable income — lenders need proof it is likely to continue.

Strong documentation turns overtime from a question mark into qualifying income.

A quick income review tells you how much OT a lender will actually count.

Document overtime correctly the first time so underwriting does not discount it.

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Ryan & Steve will average your OT, check DTI and residual income, and match you to a lender who counts every qualifying dollar.

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