Wrong section as you really need to ask this in the Home Mortgage Section here. But different lenders use different ways. That said W2's, paystubs, Tax Returns if you are employed. If you are self-employed Tax returns that they will verify with the IRS.
Our credit union refi required W2s, paystubs, and checking account statements.
There were no gray areas.
After housing crash around 2007, things tightened up quite significantly.
GL!
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Most lenders are going to require your W2s and two years of tax returns, you may find a lender that does bank statement loans, AKA a stated income loan where you won't need to provide your lender with some of the typical documents needed such as W-2s and tax returns. Instead, they use your bank statements to prove income.
