Fannie Mae Selling Guide B3-3.3-08 — Seasonal Income

fnma-sel-b3-3-3-08

Fannie Mae Selling Guide B3-3.3-08 — Seasonal Income.

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Verbatim provisions from Fannie Mae Selling Guide B3-3.3-08 — Seasonal Income — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Fannie Mae Selling Guide B3-3.3-08 — Seasonal Income

Effective 2026-03-04 · publisher's stamp for this provision

B3-3.3-08, Seasonal Income (03/04/2026) The following table provides requirements for seasonal income. Criteria Requirements Documentation The lender must obtain • a completed Request for Verification of Employment ( Form 1005); or • the most recent paystub and two years' W-2s. Additionally, a verbal VOE is required. See B3-3.1-04, Verbal Verification of Employment, for specific requirements. Note: For seasonal unemployment compensation, the lender must verify that it is clearly associated with seasonal layoffs, expected to recur, and reported on the borrower's personal income tax returns. See B3-3.4-17, Unemployment Benefits Income, for more information on unemployment benefits. Income History A minimum two-year history is required. Income Continuance The lender is not required to verify continuance unless they have reason to believe the income may not continue. Determination of Qualifying Income The lender must calculate an average income amount using year-to-date income, when present, and previous two years' earnings.

Source: Fannie Mae Selling Guide B3-3.3-08 — Seasonal Income · source URL · snapshot 2897f21e1e729b42

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Source of record: https://claudeforcompliance.com/regs/fnma-sel-b3-3-3-08/ · register fnma-sel-b3-3-3-08 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.