Many buyers unintentionally make income changes that seem harmless but trigger automatic denials during mortgage review.
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What income mistakes should I avoid before buying a home?
CHANGING JOBS OR PAY STRUCTURE
Switching industries, moving from salary to hourly, or starting commission resets income history and can delay approval 12–24 months.
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REDUCING HOURS OR VARIABLE PAY
Dropping hours, overtime, or bonuses lowers qualifying income immediately because lenders use your current verified earnings.
STARTING NEW VARIABLE INCOME
Commission, bonus, or self‑employment income cannot be counted until a stable 12–24 month history exists.
UNVERIFIABLE OR CASH INCOME
If income is not shown on pay stubs, W‑2s, or tax returns, lenders cannot use it — even if it’s real.
BANK STATEMENT LOANS DO NOT FIX CASH INCOME
Only documented business deposits count. Unverified cash, under‑the‑table pay, or transfers without a paper trail cannot be used in any loan program.
EMPLOYMENT GAPS WITHOUT DOCUMENTATION
Gaps over 30 days require explanation. Gaps over 6 months require six months back on the job before income can be used.
NEXT STEPS
Keep income stable.
Avoid job changes before closing.
Ask your lender before adjusting pay, hours, or role.
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