Yes on both counts: two years of history lets both part-time jobs count on a 24-month average, and VA allows Social Security income to be grossed up straight from the award letter. On the part-time work: with a full two-year history at both jobs, both incomes can generally be used, averaged over that period. The average is your conservative baseline. There may be room to count more if the employers will confirm your required hours or salary going forward, but the two-year average is the number you can count on. On the gross-up: because Social Security income is non-taxable, VA allows it to be grossed up, commonly using a 125% factor, documented with the SSA benefit or award letter. A filed tax return is not required for that. Conventional and FHA also permit grossing up documented non-taxable income, so the award-letter path is standard practice, though each program has its own documentation details worth confirming on your specific file. One practical tip for VA loans: work with a lender who does a lot of them. VA's Regional Loan Center underwriters tend to be veteran-friendly, and a well-supported file can get approved even when an overly cautious underwriter balks at first. If you want to see how the averaged part-time income and the grossed-up Social Security combine, we can map that in the free Roadmap conversation, about 20 minutes, where we run your real numbers.