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.