Improved Qualifying for USDA Overtime Income, Bonuses, and Commissions

UPDATE – Improved Qualifying for USDA Overtime Income, Bonuses, and Commissions

In order to maximize your USDA sales price, calculating all available income is critical! However, because everyone is not paid the same, it is also important to understand the most recent and updated qualifying guidelines used for calculating USDA overtime
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Does a disputed account on your credit report affect qualifying for a USDA loan?

Can you still qualify for a USDA loan with a Disputed Account on Your Credit Report?

As per USDA Guidelines under the 3555 Handbook, “Disputed accounts on an applicant’s credit report are not considered in the credit score.” Meaning, the mere presence of a disputed account does NOT automatically deny an applicant’s USDA loan. A disputed
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