If you receive overtime income, lenders will look at something called income trending. This tells a lender if the overtime is consistent or trending up or down. How much of the overtime they allow to qualify for a loan depends on how the income is trending.

Related Article Title: How do I calculate overtime income on a conventional loan? Answer: If your lender is willing, and the trend is increasing, the most amount of income you could use for OT for a borrower would be your 2018 + YTD approach.  The income is trending up and appears consistent, but the overall […]

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