Selling Guide

Published December 16, 2020

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When should the borrower's start date be if an employment offer or contract is used?

Paystub Not Obtained Before Loan Delivery

The borrower’s start date must be no earlier than 30 days prior to the note date or no later than 90 days after the note date.

Prior to delivery, the lender must obtain the following documentation depending on the borrower’s employment start date:

If the borrower’s start date is... Documentation Required
The note date or no more than 30 days prior to the note date
  • Employment offer or contract; and
  • Verbal verification of employment that confirms active employment status
No more than 90 days after the note date Employment offer or contract


For additional information, see B3-3.1-09, Other Sources of Income.

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