FHA – Non-Union Carpenter – Various Jobs: Will FHA accept a borrower that is a carpenter that has multiple employers over a two-year period and receives a W2 when he completes a job?

Answer: This will be an underwriter’s call, but I think that your borrower would fall into the ‘no additional analysis needed” exception cited below in the FHA guideline regarding frequent employment changes, even though he’s not a union member. You will also need to determine whether or not the income is hourly or commission because [...]