You searched:
“how to get a mortgage with irregular income”
Gig workers, freelancers, seasonal workers, and commission earners all face the same problem: your income is real but it does not fit neatly into a W-2 box. Lenders now have multiple ways to verify and qualify irregular income.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Commission-based pay fluctuates significantlySolution exists
- 2Seasonal employment creates income gapsSolution exists
- 3Multiple gig economy income streamsSolution exists
- 4Freelance income varies by projectSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Bank Statement Averaging
Bank statement loans average your deposits over 12-24 months, smoothing out the highs and lows into a qualifying figure.
Available now2-Year Average Method
Traditional lenders can average 2 years of tax returns to create a consistent income figure even with year-to-year variation.
Available nowAsset-Based Qualification
If you have substantial savings, qualify based on assets rather than income. No income documentation required.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Irregular income? We know how to make it work.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
Yes. Bank statement loans, 1099 programs, and traditional FHA with 2 years of tax returns all work for gig economy earners.
Most average your income over 12-24 months. Some use the lower of your two most recent years, while bank statement programs use deposit averaging.
No. What matters is the overall average, not month-to-month consistency. Lenders understand that commission and gig income fluctuates.
Irregular income? We know how to make it work.
We will reach out at a time that works for you. No pressure, no obligation.