"Temporary or irregular employment"

By Ziya Y. · 23 Years Banking · FRC Denial Code Intelligence

⚠️ This is often a LENDER OVERLAY — meaning another lender may approve you today.

What This Code Means

Seasonal, contract, gig, or variable income. Lenders want stable, predictable income.

Your Action Plan

SSDI and pension income is considered stable. Self-employed with 2-year history is acceptable. Some lenders are stricter about gig work — this is often an overlay.

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