Key Takeaways
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Seasonal workers can qualify for mortgages with at least two years of documented income.
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Employer verification and tax records are critical for proving reliability.
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FHA and VA loans offer flexible options for seasonal employees.
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Additional income sources or co-borrowers can strengthen applications.
For many buyers, qualifying for a mortgage comes down to showing reliable income. But if you work a seasonal job—such as landscaping, farming, construction, snow removal, or holiday retail—you may face extra hurdles when applying. Lenders prefer year-round earnings because they feel more predictable, yet getting approved for a mortgage with seasonal income is entirely possible. By providing the right documentation and proving your income history, you can secure financing to buy or refinance a home in 2025.
Documentation Seasonal Workers Need
Lenders want assurance that seasonal income is consistent. To qualify, most borrowers must provide:
| Documentation | Why It Matters |
| Two years of tax returns & W-2s | Shows a proven history of seasonal income. |
| Pay stubs or bank statements | Confirms current earnings. |
| Employer verification | Proves you’re likely to be rehired each season. |
Generally, lenders require at least two years in the same industry or with the same employer. Without employer confirmation, approval becomes harder.
Can You Qualify Without Two Years of History?
Most lenders want a minimum of two years of seasonal work history before counting that income. If you’re new to seasonal employment, your income may not qualify yet. However, you still have options.
Other reliable income sources—like Social Security, pensions, investments, or a side business—can help. Applying with a co-borrower or co-signer is another option since both incomes and credit histories are considered.
Loan Options for Seasonal Workers
Seasonal workers who meet credit and income standards can access many of the same loan programs as year-round employees.
| Loan Type | Benefits | Considerations |
| Conventional Loans | Down payments as low as 3%; PMI cancellable later | Minimum credit score around 620; PMI if under 20% down |
| FHA Loans | Low down payment (3.5%); flexible credit requirements | Lifetime mortgage insurance if less than 10% down |
| VA Loans | No down payment; no PMI; competitive rates | One-time VA funding fee unless exempt |
Seasonal vs. Part-Time Income
It’s important to distinguish between the two.
- Part-time work: Happens year-round, just with reduced hours. Lenders usually consider this reliable.
- Seasonal work: Limited to certain months, like farming, holiday retail, or tourism. Requires proof of consistent rehiring to qualify.
What Counts as Qualifying Seasonal Income?
Lenders accept seasonal income if it’s regular and documented for at least two years. They may even count unemployment benefits received during off-season months if that income is consistent.
What doesn’t count? Temporary side jobs or irregular earnings without a long enough history. For example, income from a brand-new seasonal job likely won’t qualify.
Bottom Line
Qualifying for a mortgage with seasonal income requires more documentation but is entirely achievable. A steady two-year history, proof of reliable rehiring, and strong financial records are key to approval. If you’re a seasonal worker planning to buy or refinance in 2025, talk with a knowledgeable lender early. The right guidance can help you structure your application and choose the best loan program for your situation.
FAQs About Seasonal Income and Mortgages
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