Hi. I have worked for the same employer for 15 years. I recently moved up to a management position. A lot of my hours are overtime. When trying to qualify for a mortgage I am having a hard time because I have a student loan. THe student loan is in a $0 per month payment status but $600 per month is going to my debt to income ratio. A mortgage lender told me that my overtime income can’t be used towards my income. My monthly gross income is $5400. But the mortgage lender I talked to said that I could only use the 40 hour a week amount. Is there anyway around that? My debt to income ratio will go way down if I can use my actual gross income from all my overtime. Its the same company I’ve been working with for the last 15 years, its just a new title.