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If this form requires notarization, complete it online through a secure video call—no need to meet a notary in person or wait for an appointment.

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You'll likely need at least two years of reliable income if you mainly earn bonuses, overtime, commission, or self-employment income. If you take on a second, part-time job for extra earnings, you'll need a two-year history in that job for lenders to count the additional income. There are no exceptions to this rule.
Like all rules, the two-year rule has some exceptions. These exceptions are alluded to in Freddie Mac's guidelines for secondary employment history: ?In most instances, the Borrower should have at least a two-year history of secondary employment for the employment to be considered stable.
Generally speaking, borrowers who want to use income from a second job to qualify for a mortgage loan in California must have a two-year work history with both jobs. In other words, they must be able to demonstrate the ability to manage both jobs, simultaneously, for at least 24 months.
Changing a job shortly before or after you apply for a mortgage typically does not have an adverse affect if the switch entails a higher paying job in the same industry. However, if you move to being a contract employee from a W-2 employee or move to a new industry, your lender might not view the switch with favor.
A minimum history of two years of employment income is recommended.