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I'm definitely not an expert and don't know if this is standard, but I had to bring in my most recent pay stub to closing. I'm not sure if it would have changed anything if it was significantly different from the first one or not. Are you comfortable enough with your banking person to talk to them about it? That would probably be the best way to go if you can.
I think they don't have no doc loans anymore (where you are not required to document the amount of your income). I'm not sure if that is still the case but I heard about a year ago that many lenders had discontinued providing them. If you can't afford a home on your current income, I would wait until after you get the raise to finalize your loan.
My husband and I both had to provide our 2 most recent pay stubs, so I would be surprised if they didn't require that. Then again, this is my first time buying a home, so I'm not sure how it works everywhere else. Good luck!
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I got pre-approved to purchase a home and we are very excited! The loan officer submitted all of the paper work to the underwriter and now I am getting nervous. Here is the deal. I have been working at my current job for about 2 years. I have also been a full time student during this time. My salary is set at X amount of money, but I get paid hourly, so during school I made about half what my salary should be yearly. Now that I am graduating, I am getting a huge salary increase to about double what my salary is set to now. They did my pre approval based off my new salary. I will not get my salary increase until around June 7th, but we are supposed to close on our house the last week in May. Does anyone know if they will want to see a pay stub with my new pay, or if since I have worked there for two years, my offer letter will suffice?
I'm nervous!
Thanks!