Borrower receives $8.00 per hour and works a 40-hour week. He works approximately eight hours of overtime per week at time and a half. His YTD pay stub shows $6,100 as of 4/18. He started his job on 1/1. His W-2 for last year shows $22,000. He did not work the year prior. What income would you use on a 95% FNMA loan?