Bernie Plunkett asked 4 years ago I was a sahm working part time for close to minimum wage. I became full time a few months ago. I have been with the same company for 2 years. My 2015 income is very low. 2016 will have the first half of income from part time and second half of the year full time. I hope to apply for a mortgage in February of 2017. Will my current full time income only be used or will they take the average of 2 years? Thank you in advance for your help.