Yes. Documented, consistent overtime can count toward your qualifying income. If your employer confirms in writing (a letter or a verification of employment) that your work week runs consistently well above 40 hours, say a steady 60, that overtime can be used. The requirement to clear is history. Overtime that just started reads as a spike rather than a pattern, so the lender wants to see the higher hours sustained over time and expected to continue. Once that's established, underwriters can treat mandatory overtime much like fixed income even though it's technically variable pay. The word mandatory helps you here: required, ongoing hours look far more dependable than occasional overtime a worker can pick up or drop. Expect averaging in the calculation. Because overtime earnings move around from period to period, the qualifying figure will typically be an average rather than your peak weeks. The core answer stands: documented, consistent, expected-to-continue overtime is usable income, and it doesn't get thrown out just because it sits above your base 40.