CAN YOU USE MY INCOME? A common question I receive from borrowers. Unemployment, Child Support, Bonus, Overtime, Disability, Dividends orTrust income to name a few. In order to assess I look at history of receipt, frequency of pymts & continuance. For fluctuating work hours an averaging method is used. All of these forms of variable income are acceptable and may be used upon a review. Allow me to work together with you to assess your income for financing success. It can make all the difference in qualifying for your purchase price, refinance savings or cash in hand.