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.