va mortgage questions

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hello have never bought a house before and have a couple questions on a va mortgage before i start filling out paperwork.

with starting a new job a year ago in a different field (bartender to machine adjuster) do i have to wait all 2 years of employment since i changed industries or since my w2 will say i made more on paper can i get away with less time since ill have 2  w2s from new job in January

middle mortgage score: 680

income: 60,000

live in rual kansas now houses are cheaper to buy then rent 

[Mortgage-Specialist]

You are eligible to buy now. Underwriting will use your hourly/salary. They wouldn't be able to use and bonus or overtime income

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@Mortgage-Specialist wrote:

You are eligible to buy now. Underwriting will use your hourly/salary. They wouldn't be able to use and bonus or overtime income

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thanks so my anual income would actually be 40,000 from what you are saying?

[Mortgage-Specialist]

Thats typically what an underwriter would go by. If you've been there over 1 year and the VOE, (Verification of Income) filled out by HR or your manager showing that overtime is likely, it is possible for underwriting to use it. It depends on the lender/underwriter. The big name lenders are typically more strict. Therefore you should consider checking around sooner than later so you know how much you qualify for