Why Lenders Ignore Your Overtime and How to Fix It

October 13, 2026

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David Ghazaryan

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TL;DR

To qualify for a mortgage using your full nursing income, including overtime and differentials, you must adhere to specific lending rules. Here is a summary of the key requirements:

Two-Year History: Lenders require you to prove at least 24 months of consistent earnings from variable pay sources to consider it stable and reliable.
Income Averaging: The lender will calculate an average of your variable pay over the last two years. They will use the lower of this 24-month average or your current year-to-date average for qualification.
Crucial Documentation: The most important document is the Verification of Employment (VOE). This official form, completed by your HR department, breaks down your pay history and confirms the likelihood of continuance, which is essential for underwriters.

Read the full blog article here: https://www.iqratemortgages.com/blog/nurse-mortgage-guide-for-houston--dallas-overtime-pay

Video Transcript:

Lenders see your big overtime but only count base pay. I am David Ghazaryan. I prove your total income history. They use the lower of two averages: past or recent. The right form, the VOE, makes your real pay count. Wrong papers mean you can't buy the home you want. We show the full process online. See links in description.

Read Blog Here: https://www.iqratemortgages.com/blog/nurse-mortgage-guide-for-houston--dallas-overtime-pay

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