Not necessarily – some lenders will only allow 50% to 80% of your overtime income, whilst others understand that most nurses work shift work, so overtime is a regular part of your income.  You may need to provide a letter from your employer confirming that you’ve been receiving the stated overtime regularly for at least three months prior to your loan application.  This is a very common request, so your HR department should be familiar with the requirements of lenders for approving mortgage loans for nurses.