All income documentation must:
show your name and company name;
be recent, usually from within the last 30 days;
be clear and complete (make sure we can see all 4 corners and can read everything); and
be your personal income.
If you don’t have the documents we’ve requested, you may be able to submit another form of documentation that demonstrates and confirms your reported income. Find your income type below to see what document we’ll accept to verify your source of income. We require different documentation depending on your employment status.
Full-time and part-time employment (W2 employee)
Most recent pay stub (within 30 days) showing your salary or hourly wage. If you don’t have your first pay stub yet, please submit your official job offer stating your compensation and start date.
OR
W2 with a recent paycheck image and a bank statement that shows that paycheck deposited.
Additional compensation, such as a bonus or commission
Include an offer letter that states your target bonus or commission structure.
OR
Provide your last pay stub of the previous year.
If you don't have either of these documents, we will consider the bonus or commission you’ve earned so far this year that we can verify.
Multiple Jobs (W2)
Provide a pay stub for each income source
Independent contractor or multiple gigs (1099 employee)
Example: Freelance Photography
Current contract defining length of agreement and exact compensation expected.
OR
Completed tax return from the most recent filing year with taxable income listed from your 1099 employment
AND
Proof of recent income in the form of a digital deposited check image OR business invoice. Please provide the matching bank statement that verifies the deposit into your account.
Self employed/sole proprietor: Running your own business or own part of a business
Note: If you have not done this for more than a full calendar year, we will not take this income into account when evaluating your application
Last year’s full tax return that shows your personal portion of income
Proof of recent income in the form of a digital deposited check image OR business invoice. Please provide the matching bank statement that verifies the deposit into your account.
Retirement Benefits and Income
Annual benefits letter verifying the amount awarded
Recent income to verify receipt of retirement benefits
Alimony/Spousal Support/Child Support
Provide a court order/agreement that outlines how much you receive, as well as how often payments are disbursed and for how long.
Rental Income
Proof of recent income from your rental property within the last 90 days.
Most recent tax return to verify the taxable income for this property.
Trust or Pensions
Statements from your pension plan
OR
Letters from your Trust administrator
Disability Benefits
Provide a benefits letter that defines the amount of income received, frequency of payment, and duration of the benefit.