Can You Use the Income From Two Jobs to Qualify for a Mortgage?

Whether you’re juggling two jobs or balancing a full-time gig with a side hustle, the good news is you can use both incomes to qualify for a mortgage. Here’s how it works:

1. Main Job Income

Your primary job income will always carry the most weight in your mortgage application. Lenders rely on this as your primary source of income due to its stability.

2. Second Job Income

You can use income from a second job to boost your qualifying amount, but there are specific criteria you’ll need to meet:

Consistency Matters: You must have worked your second job for at least two years.
Sustainability Counts: Lenders will assess whether the hours and workload are sustainable long-term.

3. What Documents Will You Need?

To ensure both incomes are counted, you’ll need:

• Pay Stubs: From both jobs to verify your earnings.
• Tax Returns: Showing reported income from both sources.
• Employment History: Demonstrating consistency and reliability.

4. What If You Don’t Meet the Two-Year Mark?

If your second job or side hustle doesn’t meet the two-year threshold, don’t worry. Instead:

• Focus on building a strong credit profile by paying bills on time and managing debt.
• Save for a larger down payment to strengthen your application.

Ready to Buy a Home in 2025?

Don’t stretch your budget trying to qualify! Let’s create a plan tailored to your financial situation.