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🔍 Understanding Income in Mortgage Approval 📊
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- เผยแพร่เมื่อ 9 เม.ย. 2024
- Let's talk about income and its role in mortgage approval. 💵
Income is like looking in the rearview mirror-it shows what you've done in the past to predict the future. We gather pay stubs, W-2s, and tax returns to ensure consistency.
Now, if you have unique income sources like alimony, child support, or retirement, we look for a three-year continuance. This helps us assess your ability to repay the debt. 🔄
Did you know? If you're 59½ or over, you can leverage assets like a 401(k) or IRA. We can use IRS rules to create an income stream for approval.
For example, if you need a $5,000 income stream with a three-year continuance:
$5,000 x 12 months = $60,000 annually
$60,000 x 3 years = $180,000 in the asset
Ready to explore your mortgage options? Reach out! ☀️
📞 (303) 807-6081
📩 Nancy.Alexander@grarate.com
🔖 www.grarate.co...
Enjoy this beautiful day and talk soon!