Can Overtime Count for an FHA Loan? | 2MG

Yes — overtime can count toward FHA qualifying income when it is stable and documented. See history and averaging rules with The 2 Mortgage Guys.

Can Overtime Count for an FHA Loan? | 2MG

Yes — overtime can count toward FHA qualifying income when it is stable and documented. See history and averaging rules with The 2 Mortgage Guys.

Can Overtime Count for an FHA Loan?

When FHA Counts Overtime

Documentation Underwriters Want

What We Collect

How Averaging Works

How We Qualify Your Overtime

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Frequently Asked Questions

Want Your Overtime Counted Correctly?

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Yes — FHA can count overtime when it is stable, likely to continue, and documented. Lenders typically want about two years of history and average it carefully if it fluctuates. Ryan and Steve calculate your usable overtime before you shop so your pre-approval reflects real income.

Overtime must be stable, documented, and likely to continue before it counts toward FHA qualifying income.

Averaging rules vary by lender overlays — always confirm your specific calculation before you shop.

We document, average, and verify overtime so your pre-approval reflects income that will survive underwriting.

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

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Ryan & Steve will average your OT from paystubs and W-2s, confirm continuance, and show your true FHA buying power.

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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