Originally Posted by rickair7777

I bought a house shortly after upgrade. The lender did not understand pilot pay at all, so I had to make my case like so....

Showed him several years of tax returns, and old paystubs with hourly rates.

Made the case that I could demonstrate a linear relationship between my old hourly rate and my old tax returns. Then applied the ratio between new and old hourly rates to old gross income to obtain a reasonable projected future gross income.

I would not mention reserve, guarantee, or per diem unless they ask. Also would not get into the affects of seniority. Longevity is fair game since that's guaranteed annual raises.