We are hoping to apply for a USDA Guarenteed loan this month. My question is, right now our base income is below the limit, but if they count my husbands overtime, we will be over the limit. He has only been at this job for 2 months. Will they count this ot since it hasn't been 2 years?
Yes. They count all household income towards your total income. For example, my husband earns commission which IS being counted towards our total qualified income...they just will not use that income in qualifying towards how much house we can buy.