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Should I bring my spouse's W2's with me for prequal?

Not sure if we want her on the loan but I don't know if the lender wants that information anyway by virgovigo_78007457 from Wilmington, Delaware. Mar 4th 2014 Reply


William J Acres (William_Acres)
#74 ranked lender in Arizona - 8,728 contributions

Yes.. even if you don't use your wife's income for qualifying purposes, you would still be required to provide her w2s to the lender if you filed a joint return.. if you filed an individual return, then only your w2's would be necessary.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Mar 5th 2014
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Dan Paladin (dpaladin)
#356 ranked lender in California - 792 contributions

If she is not going on the loan, then they would not be needed.

Mar 4th 2014
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Bring them. If they need a copy of your full tax return they will also need any filed W-2s.

Mar 4th 2014
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We always like to have them for the file, so that the total on the w-2's matches the tax transcript total. But, for the pre-qualification, we do not need them if your spouse will not be on the loan. If you are unsure, then bring her pay stubs & w-2's.

Mar 5th 2014
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Robert Hanson (rhanson)
#38 ranked lender in Maryland - 646 contributions

Depends on how you are structuring the loan. No harm in bringing it just in case!I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

Mar 5th 2014
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Pete Bass (PeteBass)
#30 ranked lender in Connecticut - 476 contributions

Bring the w-2 and a current paystub of your spouse with you- It is always better tohave the information with you so that your loan officer of choice can look at the best way to structure your loan.

Mar 5th 2014
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Sean Young (SeanYoung)
#1 ranked lender in Colorado - 1,112 contributions

Yes, they could be helpful depending on if she is going to be on the loan and you might need them to track income on your tax returns if you file jointly.

Mar 5th 2014
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