Tim Brannon NMLS 302651

Tim Brannon NMLS 302651 Elevations Lending. Equal Housing Opportunity. The Care & Protect Mortgage Program
Bringing homeownership resources directly to the healthcare community

Being able to count shift differential and overtime obviously is going to impact the amount of home you can purchase. Un...
08/05/2026

Being able to count shift differential and overtime obviously is going to impact the amount of home you can purchase. Until recently, the rule was you needed a two year history of receiving it in order to be able to count it. Same as any other bonus situation (engineer, store mgr. etc.) The mortgage rule is now one year. That can make a significant difference in your planning. https://selling-guide.fanniemae.com/sel/b3-3.3-02/bonus-commission-overtime-and-tip-income
Above is the link regarding this rule straight from the horse's mouth: FannieMae. The "positive factor" referenced under Income History is in and of itself, being a nurse.

Being able to count shift differential and overtime obviously is going to impact the amount of home you can purchase. Un...
08/05/2026

Being able to count shift differential and overtime obviously is going to impact the amount of home you can purchase. Until recently, the rule was you needed a two year history of receiving it in order to be able to use it. Same as any other bonus situation (engineer, store mgr. etc.). The mortgage rule now allows for one year. That can make a significant difference in your planning. https://selling-guide.fanniemae.com/sel/b3-3.3-02/bonus-commission-overtime-and-tip-income
Above is the link referencing this change right from the horse's mouth: FannieMae. The "positive factor" referenced under Income History is in and of itself "being a nurse".

This is not:Buy = Good Rent = Bad
07/07/2026

This is not:

Buy = Good Rent = Bad

Built for all in healthcare -
07/02/2026

Built for all in healthcare -

Colorado's major financial initiative to help public school employees become homeowners went live TODAY, July 1, 2026.Th...
07/01/2026

Colorado's major financial initiative to help public school employees become homeowners went live TODAY, July 1, 2026.
This is an amazing program and all qualified public school folks should take a look.

Denver Nurses: Can you realistically buy a home in the next 6 to 12 months?We offer clear answers and no pressure.www.C...
07/01/2026

Denver Nurses: Can you realistically buy a home in the next 6 to 12 months?
We offer clear answers and no pressure.
www.CareandProtectProgram.org

Built from gratitude...
05/26/2026

Built from gratitude...

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Denver, CO

Telephone

+13039019975

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