Zillow Advice: Home Buying - salaried and hourly...income averaging? http://www.zillow.com/advice-thread/salaried-and-hourly-income-averaging/464088/ Zillow Advice | Zillow Real Estate Hi Lisa,Qualification underwriting ... http://www.zillow.com/advice-thread/salaried-and-hourly-income-averaging/464088/ Hi Lisa,<br/><br/>Qualification underwriting guidelines vary from lender to lender and program to program (For example, the underwriting guidelines of the FHA construction loan may be different than a standard conforming loan). I'm not clear if this is an FHA construction loan guideline or specific to your lender.<br/><br/>It might help to shop around and see if other lenders who offer this FHA construction program have different qualification and underwriting guidelines. Ask your lender if this qualification guideline is specific to the FHA program. <br/><br/>Good luck,<br/><br/> Mon, 15 Oct 2012 02:37:00 GMT http://www.zillow.com/advice-thread/salaried-and-hourly-income-averaging/464088/ 2012-10-15T02:37:00Z