Selling Guide

Published December 16, 2020

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  • Home
  • / Underwriting Borrowers
  • / Income Assessment
  • / Other Sources of Income
  • / Employment Offers/ Contracts

Does the employment offer policy that allows a loan to be delivered prior to the borrower obtaining a paystub apply on refinance transactions?

Employment Offers or Contracts  - Paystub Not Obtained Before Loan Delivery

This option is limited to loans that meet the following criteria:

  • purchase transaction,
  • principal residence,
  • one-unit property,
  • the borrower is not employed by a family member or by an interested party to the transaction, and
  • the borrower is qualified using only fixed based income.

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

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