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My 2010 w2 states that I earned 56,000. For the last 3 years I've been on a project receiving per diem and I ancticpate that to continue for the foreseeable future. My per diem amounts to about 20k a year and is recorded on my online bank statements in the form of a weekly deposit. Would a potential lender take that per diem money into consideration?
If the income has been earned for two years, and is expected to continue for at least three years, most FHA or VA underwriters would include it. Conventional may vary based upon lender