Borrower works fluctuating hours & has job gaps. Can we use any of this income to qualify them?

Borrower works fluctuating hours & has job gaps. Can we use any of this income to qualify them?

Session #20: October 25, 2021

The borrower's occupation is Journeyman type, construction work. Their hours fluctuate weekly and there are two big job gaps within the past three years. In this session, we will use Agency guidelines to answer whether this income can be used to qualify for a mortgage.