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Can I get a mortgage with pay stubs?
It is possible to use pay stubs as proof of income to apply for a mortgage, but typically, lenders will require additional documentation to verify your income and financial stability.
In addition to pay stubs, lenders may also ask for W-2 forms from your employer, tax returns for the past two years, and bank statements to verify your assets and financial history. The lender will use this information to determine whether you are qualified for a mortgage and how much you can afford to borrow.
Keep in mind that the specific documentation requirements may vary depending on the lender and the type of mortgage you are applying for. Some lenders may have more stringent requirements for documentation, especially for self-employed borrowers or those with a variable income.
Before applying for a mortgage, it is a good idea to review your credit report and address any issues that could affect your creditworthiness. You can also speak with a mortgage broker or lender to get an idea of their documentation requirements and determine what steps you need to take to improve your chances of being approved for a mortgage.
