Can Commission Count for an FHA Loan?

{[ ["Two-year history preferred", "Stable commission over roughly two years is the standard expectation. A shorter track record may work in select cases, but two years is the cleanest path."], ["Tax returns matter", "Schedule C or W-2 commission must match what you report — write-offs can lower usable income. We align your file with what underwriting will actually count."], ["Averaging smooths spikes", "Underwriters average commission so a banner quarter does not overstate income. Your qualifying number reflects sustained earnings, not a single peak."], ["Declining commission risk", "Falling trends may force a lower average or exclusion until income stabilizes. We flag declining patterns early so you can plan accordingly."], ["Base salary + commission", "Guaranteed base pay plus documented commission often produces the strongest file. The base adds stability while commission boosts total qualifying income."] ].map(([title, desc], idx) => ( ))}