TRADITIONAL INCOME
Traditional Loan Programs require use of a combination of 1 or 2 years of W2s, tax returns, and paystubs. These programs typically offer the lowest rate and cost options for borrowers.
- LAST 2 YEARS’ INCOME DOCS – For income types that include Overtime, Bonus, Commission, and for self-employed borrowers with <5 years of self-employments
- LAST 1 YEARS’ INCOME DOCS – This is typically for hourly and salary only and for self-employed borrowers with 5+ years being self-employed
- FIXED INCOME – Most recent year’s award letter for pension, retirement, social security, etc.
ALTERNATIVE INCOME
NO INCOME
RENTAL INCOME ONLY
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