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I know that in order to include overtime pay in your income for a mortgage, it has to be consistent for 2 years. My 2010 and 2011 W2s show that I earned at least $10,000 in overtime pay for each year. Will that be enough to prove that it's consistent OT pay?
It's pretty much gauranteed overtime and I've never had a paycheck in the last 4 years that didn't have overtime pay. In fact, it's usually mandatory...whether I like it or not. lol
When I applied, they took the average of my W2 Annual Gross income for 2011 and 2010.