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Would they figure this $$$ into my income figure?

Would you want to have a loan that required you to have that income?
(I wouldn't)

But - assuming you do - the best place to ask this question I think is on the "Buying or Selling a Home" board

I'm guessing that if you can show that you made $X last year, and claim that as your income (and your pay stubs are close enough) the lenders/underwriters will accept your statement that you're making $X.

I need to decide whether I want the OT(more money)..or base pay raise.
I'd be more concerned about other things that might be dependent on your base pay.
1> life insurance
2> 401k contributions
3> bonuses
4> any other benefits that might be based on your base pay.

And what will you get for pay when you're out for a week on vacation?
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