Watch the video below to learn what underwriters need to see — and how to prepare your income documents correctly.
Your income determines how much home you can afford and whether your loan meets approval guidelines.
Paystubs and W-2s help lenders verify that your income is stable, ongoing, and likely to continue — which is critical for long-term repayment.
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This protects you and ensures your buying power is calculated correctly.
Must clearly show YTD income and pay period.
All pages, not just the first.
Downloaded directly from payroll or HR portals.
Screenshots often get rejected due to missing data.
New job, bonus, commission, or reduced hours should be disclosed upfront.
Cropped screenshots from payroll apps
Missing year-to-date totals
Old paystubs
Employer name cut off
Handwritten or altered documents
Income that doesn’t match W-2s or application
