I see where lenders usually require two paycheck stubs and also two years W-2 forms. As far as DTI calculations are concerned, are the paycheck stubs solely used for that? Are the W-2 forms required to verify income stability? I've been with the same job for 11 years so that is not a problem, and luckily I've had a couple of promotions over the last two years that have bumped up my income 20% over that time period. My DTI back end ratio is the weakest part of my situation, so the gross income is an important part of that for me.