All income documentation must: 

• have your name and company name listed;

• be recent - normally within the last 30 days;

• be clear and complete (make sure we can see all 4 corners and can read everything); 

• be your personal income.  

If you don’t have the documents we’ve asked for, you may be able to submit something else as long as it 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 will 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 do not 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/commission you’ve earned thus 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: Airbnb or Lyft/Uber

• 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

• Most recent verification of receipt of retirement benefits (i.e., deposit statement showing direct deposits) 

• Alimony/Spousal Support/Child Support. (Note: This income does not need to be disclosed if you do not want it considered in your application)

• Provide a court order/agreement that outlines how much you receive, 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.

For more information about what we accept as income, click here.