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if you try to qualify for a mortgage and you have overtime income and youre having challenges qualifying a loan officer either doesnt know how to deal with it uh or theyre telling you no theres a reason for that uh calculating income or qualifying for a mortgage uh requires income and overtime income is looked at and treated differently than your normal salary or hourly income and thats what were going to talk about today is were going to talk about qualifying for a mortgage uh uh if you have overtime income and with the underwriting guidelines are for that so FHA now Im doing this series there are five agencies uh theres Fannie Mae conventional loans there are Freddie Mac conventional loans there are FHA government insured loans then there are VA loans for veterans and people that uh served in the armed forces and then there are USDA loans which are for people that are buying in more rural type areas let um not as densely populated areas now FHA Fannie Mae Freddie Mac are mos