HomeGain on Facebook HomeGain on Twitter HomeGain on LinkedIn HomeGain on YouTube

do i need to provide pay stubs and tax returns to get prequalified?

i see both yes and no online and i need a straight answer quick!! thanks so much
By lacey860wang00889607 from WA Jun 6th 2014
Powered by:

Yes, you must submit your last 30 days of pay stubs, 2013 and 2012 W2's along with your 2012 and 2013 Federal Tax returns. You will also need to provide your last 2 months of bank statements along with ALL pages. Hope that helps. Michael michael-eiden.com

Jun 6th 2014

Searching Today's Rates...

Some lenders will ask for them. It is not a hard and fast rule. If you are not pushing income to debt ratio limits and your income is straight forward it is possible to do this with out pay stubs and tax returns. If you have some odd income or it is going to be close on the ratio side for qualifing then you will want to submit those.

Jun 6th 2014

Yes, most lenders will request these items to do a true pre-qual for you. This way they can enter your actual earnings into the AUS and get a "real" approval for you and your Realtor. One you can depend on. Good luck to you!

Jun 6th 2014

Yes, in order ti get an accurate pre-qualification this information will need to be provided.

Jun 6th 2014

Yes- A good loan officer will also ask you for the most current 60 days bank statements-all pages- all accounts. If you have statements that are quarterly, then the most recent qtr. If you receive income from social security , the award letter, child support / divorce - will want to see the decree and a payment- contact your local community bank or lender here on 411 who can help you.

Jun 6th 2014


HomeGain offers free real estate tools and services to compare real estate agents, research home prices, and view homes for sale, foreclosures, new homes, and rentals. HomeGain provides real estate information including articles on home buying, home selling, and mortgage rates. HomeGain's quarterly home values surveys are a hit with the top media sources, realtors, and home buyers and sellers. Did you know, HomeGain pioneered the original online home value estimates tool back in 1999?