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• W-2 employees: Recent pay stubs and W-2s may be requested to show your current pay and employment history.
• Self-employed or 1099 income: Personal and business tax returns, year-to-date profit-and-loss statements, balance sheets, or business bank statements may be needed depending on the business and loan program.
• Job changes or employment gaps: Starting a new job, receiving a promotion, returning from leave, or having a gap in employment does not necessarily stop the process. We may ask for an offer letter, start date, recent pay history, or a short explanation.
• Overtime, bonuses, commissions, and tips: Income that changes from month to month may be reviewed over a longer period to understand what is consistent and likely to continue.
• Part-time, seasonal, or multiple jobs: These earnings may be considered when there is enough history to show a dependable pattern.
• Income from other sources: Retirement, Social Security, disability, rental income, alimony, or child support may require supporting records. You only need to include alimony or child-support income if you want it considered.

Not sure what counts? Share the full picture with us. We can help identify which income may be useful and which documents are likely to be needed. Exact requirements depend on the income type, history, ownership percentage, and loan program.

• Bank accounts: We may review complete checking and savings statements to confirm the funds available for your purchase.
• Large deposits: A recent deposit outside your normal income may need a simple explanation or documentation showing where it came from.
• Gift funds: If a relative or assistance program is helping with your purchase, we may need a gift letter and proof of the transfer.
• Retirement and investment accounts: Some or all of these funds may be considered, even if you do not plan to withdraw them.
• Properties you own: For rental or other real estate, we may review the mortgage payment, taxes, insurance, HOA dues, lease, and rental income.

Before moving large amounts of money or changing accounts, talk with us so we can help you keep the documentation simple. Please share sensitive financial records only through a secure method provided by our team.

• Where credit reports come from: Equifax, Experian, and TransUnion collect account and payment information from lenders, credit card companies, collection companies, and public records. They organize that information into credit reports; they do not decide whether your mortgage is approved.
• Why reports and scores can differ: Not every creditor reports to every credit bureau, and updates may arrive at different times. A credit score is calculated from report information using a scoring model, so the score a mortgage lender receives may differ from one shown by a consumer app.
• If something looks wrong: Reviewing your own credit report does not lower your score. You can check each bureau’s report through AnnualCreditReport.com and dispute inaccurate information with both the credit bureau and the company that supplied it.
• Monthly debts: Credit cards, vehicle loans, student loans, personal loans, and other obligations are considered alongside your income.
• Student loans: Even when payments are deferred or currently shown as zero, a payment may need to be included.
• Co-signed accounts: A debt you co-signed for someone else may appear on your credit and may require additional documentation.
• Recent changes: New accounts, credit inquiries, late payments, collections, or disputed accounts may need an explanation.
• Past financial events: Bankruptcy, foreclosure, or a short sale does not always prevent financing, but timing and documentation matter.
• Rental properties: The mortgage, taxes, insurance, HOA dues, rental income, and related expenses may all be considered.

Avoid opening new credit, closing accounts, financing a large purchase, or paying off debts specifically for the mortgage until you have spoken with us.