Why Most Nurses Get Denied for Home Loans

July 21, 2026

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TL;DR

This guide explains how per-diem nurses can successfully obtain a mortgage.

Lenders typically require a 2-year work history to average variable per-diem income and confirm stability.
Providing complete documentation from all nursing agencies, such as W-2s and pay stubs, is the most critical step for an accurate income calculation.
A Letter of Explanation can be used to clarify employment gaps or income fluctuations, significantly strengthening a mortgage application.
Properly documenting multiple streams of income is key to avoiding loan denial.

Read the full blog article here: https://www.iqratemortgages.com/blog/a-mortgage-guide-for-florida-nurses-with-per-diem-income

Video Transcript:

Nurses earn great money, but getting a home loan is hard. I am David Ghazaryan. I show them your true income. We add up all your pay for the last two years. We need every pay paper from all of your jobs. A short break from work is okay; long ones need explaining. My website and socials have the full story. See links below.

Read Blog Here: https://www.iqratemortgages.com/blog/a-mortgage-guide-for-florida-nurses-with-per-diem-income

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