I work at a bank as my regular job, and when I have my orders I may work for the Navy for week, or months at a time...

You have what we call "variable pay".. so long as you have a 2 year history of this back n forth with your daytime job and Navy.. then lenders will look at your last 2 years tax returns, and if your year over year pay has been about the same or increased, then we will use a 2 year average.. if your year over year is declining.. then we will use the last year's income for qualifying.. so long as you meet all other eligibility requirements, you should have no problems.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Hello, you would more than likely need to average your last two years Navy income out. For the bank job it would just depend how long you have been there and what type of pay you receive ie; salary, hourly etc. I can help figure out the income you would get credit for. It also sounds like you may qualify for a VA loan. In that case you can get a loan with no money down & you can even roll closing costs into the loan using a sellers concession. VA loan can be used to buy an existing house or even build a new one. We offer loans nationwide. If you have any questions you are welcome to reach out to me at 203-299-2034, you can call or text that number day or night. Im available via email as well at: gpomeroy@boemortgage.com. My website is: www.thehomeloanspecialist.com