Originating Residential and Commercial Loans Since 1998

A W2-only mortgage program allows borrowers to qualify for a home loan using only their W2s and recent pay stubs—no tax returns are required. It's designed for wage earners without complex income sources like self-employment or commissions.

To qualify, borrowers must:

• Be full-time W2 employees

• Have a credit score of 640 or higher (580 by exception)

• Not earn commission or 1099 income

• Not be self-employed or work in the construction industry

• Not own additional rental properties

This program avoids using tax returns to help borrowers bypass deductions, like unreimbursed employee expenses, that can reduce qualifying income. Using only W2s keeps the income calculation simple and favorable for many wage earners.

Yes. While the standard minimum credit score is 640, exceptions are made for scores as low as 580, particularly with FHA or VA loans. Manual underwriting is available for lower scores with compensating factors.

The W2-only program supports FHA, VA, and Conventional loans. Down payment assistance is also available for eligible borrowers.

Yes. Our streamlined process allows for pre-approvals within 48 business hours, making it ideal for buyers needing fast responses in competitive markets.

No. This program is for base salary W2 income only. Commission, bonuses, 1099 income, and self-employment income are not allowed under this program.