Income Qualification Programs
Every borrower's financial situation is unique. We offer a full spectrum of income qualification options — from traditional W-2s to no-income programs — so you can find the path that fits your life.
Traditional Income Qualification
Traditional loan programs use a combination of W-2s, tax returns, and paystubs to verify income. These programs typically offer the lowest rates and costs available to borrowers.
Last 2 Years' Income Docs
For income types that include Overtime, Bonus, Commission, and for self-employed borrowers with less than 5 years of self-employment.
Last 1 Year's Income Docs
Typically for hourly and salary-only borrowers, and for self-employed borrowers with 5+ years of self-employment history.
Fixed Income
Most recent year's award letter for pension, retirement, social security, and similar fixed income sources.
Not Sure Which Program Fits You?
Our licensed loan officers will review your full picture and recommend the qualification path that gives you the best rate and approval odds.
Talk to a Loan Officer