Typically two years of stable employment history is preferred.

Yes, using tax returns or alternative documentation depending on loan type.

Loans that use bank deposits instead of tax returns to verify income.

Yes, through non-QM programs such as bank statement or asset-based loans.

Savings, checking, retirement accounts, and other verifiable funds.

Funds required after closing to cover future mortgage payments.

Yes, with proper documentation depending on loan type.

Confirmation of borrower’s job and income.

Proof of available funds.

Recent late payments increase risk and may require waiting periods.