Can Commission Count for an FHA Loan? | 2MG

Yes — commission income can qualify for FHA loans with stable history, usually about two years. See how lenders average it with The 2 Mortgage Guys.

Can Commission Count for an FHA Loan? | 2MG

Yes — commission income can qualify for FHA loans with stable history, usually about two years. See how lenders average it with The 2 Mortgage Guys.

Can Commission Count for an FHA Loan?

How FHA Treats Commission

What You Need to Document

Paper Trail

Underwriting Reality

How We Calculate Your Commission Income

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Frequently Asked Questions

Want Your Commission Income Counted?

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Yes — FHA can count commission income when you have a stable history, usually about two years, and the income is properly documented on tax returns and paystubs. Ryan and Steve average commission the way underwriters will, so your pre-approval is not based on a one-time spike.

Commission is variable income — FHA and lenders look at history, documentation, and how it averages over time.

Gather these before underwriting so commission income counts without delays.

How lenders actually apply commission income to your FHA file.

We run the same averaging and documentation review underwriters use — before you shop for a home.

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Related guides to help you compare options and move toward pre-approval.

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Ryan & Steve will review tax returns, W-2s, and YTD commission to calculate income that will hold up in FHA underwriting.

Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .

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Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

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1221 Appletree Lane, Kokomo, IN 46902

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