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obtaining a home loan with varying income.
My husband works shift work and more often than not he makes about $800 a month in overtime, on top of his $3,000 normal pay, with 16 hours of built in overtime. When we went to apply for a home loan last summer they would only go off of his BASE pay, which is still a good amount around here (central Washington). But I am in school to be a real estate agent, so I will never have a stable income, its commission only. Is there anything we can do to have them look at his overtime? We tried showing 3 months of pay-stubs, but that did nothing.

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Some banks

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Some banks will look at non-base salary as part of his income if you can prove it on a few months paystubs and prior year W2s also evidence a comparable amount of income. It all depends on the bank. For your income, they will go based on your tax returns from the most recent couple of years. If the income is similar the two years, they should take an average of the two. If it has increased significantly, they'll likely take the lower of the numbers. If it has decreased significantly, they will be hesitant to use your income to qualify for a loan.

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They want reliable income.

Just consider overtime to be the "icing on top of the cake".  You havew no clear contract saying your husband will be paid a specific amount of overtime every month and the "what if's" don't work in financing.  A bank or mortgage company wants a clearcut, rock solid source of income before granting a loan.

Once you become a licensed real estate agent, it's still likely to be difficult unless you can show by a savings account and copies of commission checks how much you can make every month.  And, with the real estate market a bit shaky these days in many areas, banks are going to be wary.  Buying a house might require some "creative financing"--thinking of legal ways to be able to reassure a lender   that you will be able to make the payments.  You might consider putting overtime and commissions in a savings account for a few years to have some really earnest money to put down on a house. 

There is really nothing wrong with renting, either.  Been on both sides of that fence.

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