OVERTIME AND BONUS INCOME: In most cases a lender will count overtime and/or bonus pay as “qualifying” income if the borrower has a history of overtime and/or bonus pay from the borrower’s current employer for a minimum of two years. The employer must verify the number of overtime hours and/or anticipated bonus income that is likely to continue for it to be used as “qualifying” income.

----------

two year history verified by W-2's and continuation verified by employer on VOE (verification of employment)