Say goodbye to lengthy employment histories and mountains of documentation. With our program, you only need one year of employment to qualify. We’ll simply use your last year’s W-2 and divide it by 12 to calculate your monthly income. No need to worry about providing year-to-date paystubs or agonizing over complex calculations.

Call us today with Questions (888)842-7272

Key benefits of the True W-2 Only program:

• No YTD paystub required: We understand that life happens, and sometimes paystubs get misplaced or forgotten. Our program eliminates the need for year-to-date paystubs, saving you time and frustration.
• One year of employment: Forget about the traditional two-year employment requirement. With our program, one year of steady W-2 income is all you need to qualify.
• Listed for sale – cash-out OK: Whether you’re selling your current home or looking to access your home’s equity, our program allows for cash-out refinancing.
• No minimum tradeline required with 3 scores: We believe in evaluating your creditworthiness holistically. That’s why we don’t require a minimum number of tradelines as long as you have three credit scores.
• Asset Assist – no cap on % of income: We recognize the importance of asset accumulation. Our program offers Asset Assist with no cap on the percentage of income that can be used to qualify.

Our commitment to you:

We’re dedicated to providing flexible guidelines and valuable features that empower you to close more loans quickly and efficiently. We understand that every borrower is unique, and we’re here to tailor solutions that fit your individual needs.

Contact us today to learn more about the True W-2 Only program and take the first step toward achieving your homeownership dreams. Our team of experienced mortgage professionals is ready to guide you through the process and help you find the perfect loan for your situation.

Remember, with our True W-2 Only program, homeownership is within reach. Let us help you make it a reality!

Disclaimer: Please note that loan approval is subject to underwriting guidelines and individual circumstances. Contact us for complete details and eligibility requirements.

Get started with a 10 minute phone call to (888)842-7272

The post Streamlining Homeownership: The True W-2 Only Program appeared first on Smart Mortgage Centers.

Navigating the mortgage landscape can often feel overwhelming, especially when traditional loans demand extensive documentation and lengthy employment histories. However, with Smart Mortgage’s innovative W2 Only program, the path to homeownership becomes significantly smoother and more accessible.

Call Today (888)842-7272 or Apply Online

Streamlined Qualification Process

Unlike most W-2 loans that require two years of employment, our W2 Only program simplifies the process by needing just one year of employment. All you have to do is provide last year’s W-2 and divide by 12 to determine your qualifying income. Even better, there is no need for a year-to-date (YTD) paystub, making the documentation process less cumbersome and faster.

Product Highlights

No YTD Paystub Required: Simplify your application process with no need to submit a YTD paystub. This eliminates the hassle of gathering extra documentation and accelerates the approval process.

One-Year of Employment: With our program, you only need to show one year of employment, making it easier for those with less work history to qualify.

Listed for Sale – Cash-Out OK: If your property is listed for sale, you can still take advantage of cash-out refinancing. This flexibility allows you to access the equity in your home when you need it most.

No Minimum Tradeline Required with 3 Scores: Our program doesn’t require a minimum tradeline if you have three credit scores. This flexibility helps more consumers qualify, even if they have limited credit history.

Asset Assist – No Cap on % of Income: There is no cap on the percentage of income that can come from assets, providing additional flexibility in qualifying for a mortgage.

Flexible Guidelines for Quick Approvals

Our W2 Only program is designed with consumer convenience in mind. The flexible guidelines and valuable features help you get into your new home quickly and with less hassle. Whether you’re a first-time homebuyer or looking to refinance, our program offers a streamlined and efficient path to securing your mortgage.

The Smart Choice for Homebuyers

Choosing the right mortgage program is crucial for a smooth home buying experience. With Smart Mortgage’s W2 Only program, you benefit from a straightforward qualification process, reduced documentation requirements, and flexible guidelines. This program is tailored to meet the needs of modern homebuyers who seek efficiency and simplicity in their mortgage journey.

Conclusion

At Smart Mortgage, we are committed to enhancing your home buying experience with innovative and consumer-friendly mortgage solutions. Our W2 Only program stands out as a true testament to our dedication to making homeownership more accessible and less complicated. Contact us today to learn more about how our W2 Only program can help you achieve your dream of owning a home with ease and confidence.

Call Today (888)842-7272 or Apply Online

The post W2 Only Mortgage Program appeared first on Smart Mortgage Centers.