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Where the qualifying income used is not more than the amount calculated by Income Calculator, enforcement relief may be provided"}],"package":"urn:us:fnma:clir:selling-income","scope":{"kind":"boolean","value":true},"strength":"strict","variables":[{"id":"v0","type":{"name":"urn:us:fnma:clir:selling-income#IncomeSource"}}]},{"anchors":["urn:us:fnma:clir:selling-income#FNMA_B3_3_1_01_CONTINUANCE"],"condition":{"kind":"boolean","value":true},"contentHash":"sha256:552a96f63d6839196be4c6617d1f1ef7abbafa690093c3f41a63929e61eccb86","higher":{"id":"urn:us:fnma:clir:selling-income#DefinedExpirationDefeatsEligibility","kind":"const_ref"},"id":"urn:us:fnma:clir:selling-income#ExpirationOverGeneralEligibility","kind":"priority_rule","labels":[{"language":"en","status":"official","text":"B3-3.1-01. The defined-expiration case is an exception to the general conclusion of continuance"}],"lower":{"id":"urn:us:fnma:clir:selling-income#IncomeEligibleWhenDocumented","kind":"const_ref"},"package":"urn:us:fnma:clir:selling-income","priorityKind":"direct","reason":"urn:us:fnma:clir:selling-income#lex_specialis"},{"contentHash":"sha256:9e58d64fa28937fe29f88d942e6cd32ff4c01538adb76cb396557cf6a23b3e0f","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_01_CONTINUANCE","kind":"fragment","locator":"article/B3-3.1-01/section/continuance-of-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:670b8eaa6d99c272386dcbb1f246223c2ba0cb18e449ec04dd918a00391baa8e","language":"en","status":"official","text":"Borrowers must be qualified with income the lender can reasonably expect to continue for the foreseeable future. The lender must evaluate the likelihood of continuance based on the nature of the income and supporting documentation.\nIf the income does not have a defined expiration date and the applicable history of receipt of the income is documented (per the specific income type), the lender may conclude that the income is likely to continue and the lender is not expected to obtain additional documentation, unless there is information to the contrary.\nIf the income source does have a defined expiration date or is dependent on the depletion of an asset account or other limited benefit, the lender must document that the income is expected to continue for at least three years from the note date. Additionally, when an asset account is the sole or majority source of qualifying income, the lender must assess the borrower’s ability to continue repaying the loan once the income source expires or the asset is depleted prior to loan maturity.\nIf the lender is notified that the borrower is transitioning to a lower pay structure, for example due to pending retirement or a new job, the lender must use the lower income amount in qualifying, and must determine that the lower amount is stable and predictable."}]},{"contentHash":"sha256:45e66d6d99ba772571367b15a7619f46d03a2dcab7268093c732d764f1aba65a","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_01_NONTAXABLE","kind":"fragment","locator":"article/B3-3.1-01/section/nontaxable-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:7908b00ad07f15aef7326b4856e48d910fd53bc24600f8e7746b376c15209ec6","language":"en","status":"official","text":"The lender should give special consideration to sources of income that may be nontaxable. The lender must verify that the particular source of income is nontaxable, using documentation such as award letters, policy agreements, account statements, tax returns or any other documents that address the nontaxable status of the income. Any exceptions to the required documentation can be found within the details of each specific income type.\nIf the income is verified to be nontaxable, and the income and its tax-exempt status are likely to continue, the lender should develop an “adjusted gross income” for the borrower by adding an amount equivalent to 25% of the nontaxable income to the borrower’s income.\nIf the actual amount of federal and state taxes that would generally be paid by a wage earner in a similar tax bracket is more than 25% of the borrower’s nontaxable income, the lender may use that amount to develop the adjusted gross income, which should be used in calculating the borrower’s qualifying ratio."}]},{"contentHash":"sha256:3037d93a8af71b7f9dff3cccde35c4000d5f8d01aa2fea26eb7f530443dc444a","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_01_NON_OCCUPANT","kind":"fragment","locator":"article/B3-3.1-01/section/non-occupant-borrower-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:fddf1fb402b44cde70cd57c210602182a9a7239213edfc55cc679ae3c1dc77bf","language":"en","status":"official","text":"Income from a non-occupant borrower may be considered in qualifying for both DU and manually underwritten loans provided the income meets the same standards as required for occupying borrowers. For information about restrictions to the down payment, DTI, maximum LTV, CLTV, and HCLTV that apply to loans with a non-occupant borrower, see"}]},{"contentHash":"sha256:07cd3d61bc01acb5bfd2fdf24c3d335acc177430d069fff43131b7c76780fd85","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_01_REDUCED_DOCS","kind":"fragment","locator":"article/B3-3.1-01/section/reduced-documentation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:ff9c8500f96661225f5986497475bfe07f622274f8b128b9b66d347d58c6bf82","language":"en","status":"official","text":"For certain high LTV refinance loans, the lender is not required to follow the income documentation requirements described in this Chapter. Additionally, DU offers a reduced level of income documentation for High LTV Refinance loans. See Chapter B5-7, High Loan-to-Value Refinance Option for specific requirements.\nDU Documentation Requirements\nDU indicates the minimum income verification documentation required to process a loan application. This level of documentation may not be adequate for every borrower and every situation. The lender must determine whether additional documentation is warranted. If the lender is unable to determine the stability of the borrower’s income on the basis of the available documentation, the income must be removed and the loan resubmitted to DU."}]},{"contentHash":"sha256:c397ec6297f1096f1cea00c9a47474e54140f8bd92fd7a2244a2996f41a93a5e","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_01_STABLE","kind":"fragment","locator":"article/B3-3.1-01/section/stable-and-predictable-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:e1596bda216ff5c258316918c61b6d4132047b79e66749b2e1a47dc61d2cfb2e","language":"en","status":"official","text":"A stable and predictable flow of income is a foundational element in loan underwriting. The lender must document income is stable, has a documented history of receipt, and is reasonably expected to continue."}]},{"contentHash":"sha256:24537b5f155bc60877c716dc61cfa989023750abf2985751b2e915c6c8d23112","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_01_VIRTUAL","kind":"fragment","locator":"article/B3-3.1-01/section/income-paid-in-virtual-currency","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:9106d8a82370e8a98df42ca462a703748ed1ea1fb8f4bf58253271204adfa6cb","language":"en","status":"official","text":"Any income paid to or earned by the borrower in the form of virtual currency, such as cryptocurrencies, is not eligible to be used to qualify for the loan."}]},{"contentHash":"sha256:c9d549fe9214b5f84c7bdbff4860fe7aa3e9cac8293d756c60d3cc1bba768d0e","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_02_FORM_4506C","kind":"fragment","locator":"article/B3-3.1-02/section/irs-form-4506c","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:ddd16c69de80bd9b07d3ca5e7088efd6fb2a1cc7ec22b196574de2d0393e4e0d","language":"en","status":"official","text":"IRS Form 4506-C can be used to obtain tax transcripts for up to four years or tax periods and is valid for 120 days after completion (including signature) by the borrower. The lender must have each borrower whose income is used in qualifying (regardless of income source) complete and sign a separate IRS Form 4506-C at or before closing. An alternative form or process (which may include IRS Form 8821) is also acceptable if it authorizes the release of comparable tax information from the IRS and the borrower has signed an authorization expressly permitting the lender to disclose such IRS-derived information to Fannie Mae.\nNote: When all of a borrower’s income is validated by the DU validation service, the lender is not required to obtain a signed IRS Form 4506–C for that borrower."}]},{"contentHash":"sha256:038e46608a1cd0006df550e3657b80b7d4e413681ee333ce59a37209eab3d319","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_02_RETENTION","kind":"fragment","locator":"article/B3-3.1-02/section/retaining-tax-documents","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:985b07aa968730ab6c641de83eb4552a36699f031e0aca2b3683dcea84393f5f","language":"en","status":"official","text":"The lender must retain all tax documents, including either the IRS Form 4506-C or the tax transcript(s) and any subsequent explanation or documentation of discrepancies in the loan file for QC review."}]},{"contentHash":"sha256:87bbb1a4ff4dd29962705ac51e7e4c3258bdb20f2d9a63ece008ba74942aa0ce","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_02_SIGNATURE","kind":"fragment","locator":"article/B3-3.1-02/section/tax-return-signature","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:330b3c4eaebbdfbeec1bc972d2ff98758c8714e0ff4e297bd6603d0da126f044","language":"en","status":"official","text":"Each tax return must be signed by the borrower unless the lender has obtained one of the following signature alternatives:\ndocumentation confirming that the tax returns were filed electronically,\na completed IRS Form 4506–C (signed by the borrower) for the year in question, or\nIRS transcripts that validate the tax return."}]},{"contentHash":"sha256:b5cd57faf09dbd79eb8fe65da243f31d7cb2668d7c7c847771979b8e413f31ac","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_02_TRANSCRIPTS","kind":"fragment","locator":"article/B3-3.1-02/section/transcripts-in-lieu-of-returns","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:eda47a7a5dc0ba676b72095391c4da93a58ddc841a8ca3307a0c6f1cc5bc4ea6","language":"en","status":"official","text":"In certain instances, tax transcripts may not provide sufficient detail to support the qualifying income. In those cases, the lender must obtain copies of the actual returns, schedules, or forms. For example, the lender must obtain copies of Schedules B through F, Schedule K-1, or business returns, unless:\nthe income reflected on the applicable schedule transcripts is positive, and\nthe income supported by that schedule or form is not being used for qualifying."}]},{"contentHash":"sha256:4d046244c92e4fceec72578c55d586388df822a171c0c45feb28639d18dafb74","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_03_ADDITIONAL","kind":"fragment","locator":"article/B3-3.1-03/section/additional-lender-requirements","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:087711e20e7c65abcbb3b986182dfe281780c8757817d206209091a3130b7b81","language":"en","status":"official","text":"Confirm that tax returns meet the allowable age of documents requirements in\nB1-1-03, Allowable Age of Credit Documents and Federal Income Tax ReturnsB1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns.\nEnsure all information submitted to Income Calculator is accurate, complete, and reflects the information on the tax returns being used to document the qualifying income.\nInvestigate and resolve any contradictory or conflicting information that may impact the accuracy of the income calculation.\nComply with all other Selling Guide requirements, including DU messages, when applicable, and requirements in"}]},{"contentHash":"sha256:85be38192d554b01b4709035a4f79304934ebce31cda4524156b9d47668da6a7","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_03_FINDINGS","kind":"fragment","locator":"article/B3-3.1-03/section/findings-report","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:2a613b6b9dfe31dbd81955830b5793f337d5d1142b77ca9df258d8c17849f54d","language":"en","status":"official","text":"The Income Calculator Findings Report can be used to satisfy the requirements for the lender to prepare a written analysis of their evaluation regarding the calculation of qualifying income, such as Fannie Mae's Cash Flow Analysis (\nForm 1084), Comparative Income Analysis (\nForm 1088) or a similar form. A copy of the Findings Report must be maintained in the loan file."}]},{"contentHash":"sha256:481c83e1d268f0d870bce9b57cda1dc2df8e3afae288054eb3ac052e99b52e54","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_03_RELIEF","kind":"fragment","locator":"article/B3-3.1-03/section/enforcement-relief","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:c928522793837774f81b42a4ae5113e1819cfd69f6ca30c4eebeaaa7468fbd03","language":"en","status":"official","text":"When the amount of qualifying income being used by the lender is not more than the amount of income calculated by Income Calculator, enforcement relief from representations and warranties on the accuracy of the income calculation may be provided but the lender remains responsible for the accuracy of the information submitted. See Enforcement Relief of Representations and Warranties for Loans with Income Calculated by Income Calculator in"}]},{"contentHash":"sha256:7b9f43864cc909df83af757f3df6dde0377177d0aa31208e6ab62048ffd6adfe","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_ALTERNATIVES","kind":"fragment","locator":"article/B3-3.1-04/section/alternative-methods","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:e64cb3cf7e4d53d3f7de4c2fec6d436cc78a833e32e684a6db0bad61bd60d859","language":"en","status":"official","text":"Alternative Methods to Verify Employment:\nThe lender can obtain a written verification confirming the borrower’s current employment status within 10 business days prior to the note date. The written documentation must include the name and title of the person who completed the verification for the employer.\nThe lender can obtain an email exchange with the borrower's employer from the employer's work email address within 10 business days prior to the note date.\nThe lender must conduct additional due diligence to confirm that the email address for the employer is accurate. Examples of due diligence include, but are not limited to, searches of domain name on employer website (review for match to employer email address), employer directory on the internet, or other professional networking or business profile websites.\nThe email exchange must include borrower's name and employer's name; name, title, and work email address of the individual contacted at the employer; date of contact; and borrower's current employment status.\nWithin 15 business days prior to the note date, the borrower can provide either\nthe most recent paystub as of that date that, meets the requirements in\nB3-3.2-01, Standards for Employment and Income DocumentationB3-3.2-01, Standards for Employment and Income Documentation; reflects information for the most recent expected pay period based on the date it is provided and the borrower's pay cadence; and does not include any information indicating the borrower may not be actively employed.\nBank statements dated no earlier than 15 business days prior to the note date that\nmeet the requirements in\nB3-4.2-01, Verification of Deposits and AssetsB3-4.2-01, Verification of Deposits and Assets,\nreflects information for the most recent expected pay period based on the date of the statement and the borrower's pay cadence, and\ndoes not include any information indicating the borrower may not be actively employed."}]},{"contentHash":"sha256:ae17b79f0084e6eb98970fb1721f92e8d1be2938e2dfcab23fc678b9c7b895de","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_CONVERSATION","kind":"fragment","locator":"article/B3-3.1-04/section/documenting-the-conversation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:e4ca96adaf85e385516df200f4ac5a80d72af4d0e88096953a0ad45e9582936d","language":"en","status":"official","text":"The conversation must be documented. It should include the following:\nname and title of the person who confirmed the employment for the lender,\nname and title of the person who completed the verification for the employer,\ndate of the call, and\nthe source of the phone number."}]},{"contentHash":"sha256:ecdbf206c1d487b4cfb537c96a7e486b1d19a45edf5b877a2bd02fe2b3103eb7","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_MILITARY","kind":"fragment","locator":"article/B3-3.1-04/section/military-personnel","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:1fd5c4a71969dd8223b73b23ecb7fef087e9ecc4a0548405a3c4b51742f47b5b","language":"en","status":"official","text":"If the borrower is in the military, in lieu of a verbal or written VOE, the lender must obtain either\na military Leave and Earnings Statement dated within 120 calendar days prior to the note date, or\na verification of employment through the Defense Manpower Data Center. See"}]},{"contentHash":"sha256:094184cc812a7a3ab289affcefcefec012c3ceaa8d2ab695caaecb707ea12db6","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_PHONE","kind":"fragment","locator":"article/B3-3.1-04/section/independent-contact-details","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:d47eeb98474a7740a017bbfd2dd80670d878a216cbfb6139b0a42ea4d8d49847","language":"en","status":"official","text":"The lender must independently obtain a phone number and, if possible, an address for the borrower's employer. This can be accomplished by using a telephone book, the Internet, directory assistance, or by contacting the applicable licensing bureau."}]},{"contentHash":"sha256:25eee3552692d21a88df3720da604d6e545516f67f6ccdc4d9e607bca67e89f2","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_SELF_EMPLOYED","kind":"fragment","locator":"article/B3-3.1-04/section/self-employed-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:818d0bab44ea4cca0efbc23ba08e410f0425e3d2394d0de87384ae989733e9db","language":"en","status":"official","text":"verify the existence of the borrower's business within 120 calendar days prior to the note date\nfrom a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible; or\nby verifying a phone listing and address for the borrower's business using a telephone book, the internet, or directory assistance.\ndocument the source of the information obtained and the name and title of the lender's employee who obtained the information."}]},{"contentHash":"sha256:a58243880ce272d2e1877f974b176795754052a471eff34eb3b05b46c4ed2665","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_TEMP_LEAVE","kind":"fragment","locator":"article/B3-3.1-04/section/employer-confirms-temporary-leave","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:ce1b086201032df34c921659d0fcc78a72e8e1d1a8cc746a582692f65d582e56","language":"en","status":"official","text":"Note: If the employer confirms the borrower is currently on temporary leave, the lender must consider the borrower “employed.” See"}]},{"contentHash":"sha256:0cde7b973206dda65ca1ccc462900db6db6225879df62f344a90759726c4a192","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_UNION","kind":"fragment","locator":"article/B3-3.1-04/section/union-placement","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:22e4d715aa8844e2f47db5ace156f7a2e7398d8a142f540d81b40c8a3a252bd9","language":"en","status":"official","text":"If the borrower is a union member who works in an occupation that results in a series of short-term job assignments (such as a skilled construction worker, longshoreman, or stagehand), and the union facilitates the borrower’s placement in each assignment, the lender may obtain the verbal VOE from the union."}]},{"contentHash":"sha256:849f90c637f9580a1521586131aa3709be4aeb024f049e608d168d39bc4f22e6","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_VENDOR","kind":"fragment","locator":"article/B3-3.1-04/section/third-party-verification-vendor","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:db0aead488739436769e94980774cb9ca8a626c9a33a07a5a8ce86361ec01c84","language":"en","status":"official","text":"If the employer uses a third-party employment verification vendor, the lender must obtain written verification from the vendor of the borrower’s current employment status within the same time frame as the verbal VOE requirements.\nNote: Because third-party vendor databases are typically updated monthly, the verification must evidence that the information in the vendor's database was no more than 35 days old as of the note date."}]},{"contentHash":"sha256:c77d6e94b5b0ef912e1a2a600f9aa21da50ab1b2df36755d91d693fe184733a6","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_1_04_WINDOW","kind":"fragment","locator":"article/B3-3.1-04/section/verbal-verification-of-employment","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:0351d688ee8b3d4bddeba85920aa4c03c290128644fd8e98c1ff628c499c2d37","language":"en","status":"official","text":"A verbal verification of employment (verbal VOE) must be obtained for each borrower using employment or self-employment income to qualify. The verbal VOE must be obtained within 10 business days prior to the note date for employment income, and within 120 calendar days prior to the note date for self-employment income. The verbal VOE requirement is intended to help the lender mitigate risk by confirming, as late in the process as possible, that the borrower remains employed as disclosed on the loan application. A change in the borrower’s employment status could have a significant impact on that borrower’s capacity to repay the mortgage loan and must be fully reevaluated.\nAlternatively, the lender may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE (or allowable alternative) cannot be obtained prior to delivery, the loan is ineligible for sale to Fannie Mae."}]},{"contentHash":"sha256:78991654b574d27cde38e140b22b933a4634df855533c603d9073202f2329b8c","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_01_FORM_1005","kind":"fragment","locator":"article/B3-3.2-01/section/documentation-provided-by-the-employer","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:32cc74ce394477baf7f82989b92103615b8caa3da502d64f9f05aeacadd5804c","language":"en","status":"official","text":"The lender may use the Request for Verification of Employment (\nForm 1005) to document employment and income. The date of the completed form must comply with\nB1-1-03, Allowable Age of Credit Documents and Federal Income Tax ReturnsB1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns.\nThe information on\nForm 1005\nmust be legible. The following fields on Form 1005 are optional:The remaining fields on the form must be completed as applicable to the borrower.\nWhen the borrower authorizes the lender to obtain verifications of employment and income directly from the employer, the lender must have the borrower sign Form 1005.\nField #\nTitle of Optional Field\n11\nProbability of continued employment\n14\nIf overtime or bonus is applicable, is its continuance likely?\n16\nDate of applicant’s next pay increase\n17\nProjected amount of next pay increase\n18\nDate of applicant’s last pay increase\n19\nAmount of last pay increase\n24\nReason for leaving (Part III — Verification of Previous Employment)\nThe remaining fields on the form must be completed as applicable to the borrower.\nWhen the borrower authorizes the lender to obtain verifications of employment and income directly from the employer, the lender must have the borrower sign Form 1005.\nAlternatively, the lender may have the applicant sign a signature authorization form, which gives the lender blanket authorization to request the information it needs to evaluate the applicant’s creditworthiness. See"}]},{"contentHash":"sha256:d69b1674edfb10b9e86a855a32f778bf487994df7e6e88446d6f998e126e645d","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_01_GENERAL","kind":"fragment","locator":"article/B3-3.2-01/section/general-documentation-requirements","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:a09814ecbe0c6077227b3ca2630558dd4f9e8a6f9bd2865830d89e8dd3e41195","language":"en","status":"official","text":"The lender must verify employment income for all borrowers whose income is used to qualify for the loan. This verification can be provided by the borrower, by the borrower’s employer, or by a third-party employment verification vendor. The standards for employment documentation are the same for DU loan casefiles as they are for manually underwritten loans. For example, paystubs, W-2s, and tax returns must meet the same requirements without regard to the underwriting method. A year end paystub reflecting earnings from the entire year is acceptable in lieu of the W-2.\nWhen employment is validated through the DU validation service using an asset verification report, the lender is not required to obtain the employment verification documentation described below. DU will provide messaging indicating the documentation required. Lenders must comply with all requirements pertaining to the DU validation service. See"}]},{"contentHash":"sha256:7273d4e25516cf54c62418906d70dc020d7bc54974522df55841f6da8e2c3169","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_01_PAYSTUB","kind":"fragment","locator":"article/B3-3.2-01/section/documentation-provided-by-the-borrower","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:8d93928d0aea381992e3031a76e1dfe614509039a959d73bdd1863d77653ddcb","language":"en","status":"official","text":"The most recent paystub must be dated no earlier than 30 days prior to the initial loan application date and it must include all year-to-date earnings. Additionally, the most recent paystub must include sufficient information to appropriately calculate income; otherwise, additional documentation must be obtained.\nPaystubs must comply with\nB1-1-03, Allowable Age of Credit Documents and Federal Income Tax ReturnsB1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns.\nIRS W-2 forms must cover the most recent one- or two-year period, based on the documentation requirements for the particular income type, and must clearly identify the borrower as the employee.\n”Most recent” W-2 is defined as the W-2 for the calendar year prior to the current calendar year. Alternative documentation, such as an IRS Wage and Income (W-2) Transcript, a written Request for Verification of Employment ("}]},{"contentHash":"sha256:4e9d74ee9debf423c1abb9d99deeb865189109cd4bfc749bb0380327f90a9bef","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_01_QUALITY","kind":"fragment","locator":"article/B3-3.2-01/section/document-quality","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:f23086af05577a17ce4eda0ea348c76b9ec6efc0f59e2c27c653e9c8dfb0a51f","language":"en","status":"official","text":"Documents must be computer-generated or typed by the borrower’s employer(s), although paystubs that the borrower downloads from the Internet are also acceptable. Documents must clearly identify the employer’s name and source of information.\nThe information must be complete and legible.\nThe original source of the information must be a third party, such as the borrower's human resources department, personnel office, payroll department, company's payroll vendor, or supervisor."}]},{"contentHash":"sha256:dc21e0e75fc051e1eb7fafe224b50efaca86f08497a577d4d1ae70792b5f1f8f","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_01_VENDOR_SOURCE","kind":"fragment","locator":"article/B3-3.2-01/section/third-party-vendor-documentation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:e7b5e766586efc037362521c9083d1ab878a3fcca776bdc3be9c92bae52172e5","language":"en","status":"official","text":"The lender may receive employment and income verification directly from a third-party employment verification vendor. These verifications are acceptable as long as\nthe borrower provided proper authorization for the lender to use this verification method,\nthe date of the completed verification is in compliance with\nB1-1-03, Allowable Age of Credit Documents and Federal Income Tax ReturnsB1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns,\nthe lender has determined that the vendor has made provisions to comply with reasonable quality control requests from both the lender and any subsequent mortgagee, and\nthe lender understands it will be held accountable for the integrity of the information obtained from this source.\nIf necessary, the lender must supplement these verifications by obtaining any missing information from the borrower or their employer."}]},{"contentHash":"sha256:8dfc2e1cacaa663d91718f92b047c8c39e82c61a50c5404f134b07e1e3d9b4b8","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_02_EMPLOYMENT","kind":"fragment","locator":"article/B3-3.2-02/section/employment","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:28a786769f7d10551b4fbea3cf4b8696566d1fa871c2963444345a88658a212b","language":"en","status":"official","text":"Lenders must evaluate the borrower’s work history to determine whether it reflects a reliable pattern of employment over the most recent two years. A shorter employment history may be considered eligible for qualifying purposes if the borrower’s employment profile includes positive factors that reasonably offset the shorter employment history."}]},{"contentHash":"sha256:000007d5d26a98405fc15657b682c3c6c60bcdb72ed8c51cce777b4ce5096022","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_02_FAMILY","kind":"fragment","locator":"article/B3-3.2-02/section/employment-by-family-or-interested-party","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:5702060c0f693248296f0382df665714b2bc289a821f0ee43ef7db0e3d7eb18a","language":"en","status":"official","text":"Borrowers who are employed by a family member or interested party must meet the requirements for the specific income type(s) outlined in the respective sections throughout Chapter B3–3, Income Assessment, and the following:\nBorrower must have been employed by the business for at least the 12 months prior to the application date.\nThe lender must obtain copies of the most recent year’s signed federal income tax returns that reflect borrower has less than 25% ownership in the business owned by the family member or interested party. If the borrower has 25% or more ownership, the borrower must be qualified as self-employed.\nThe borrower’s qualifying income must be consistent with the most recent year’s earnings, which must be documented with a W-2 or tax returns."}]},{"contentHash":"sha256:e724a8ee309b263ee949c77b4356d67b29fccc42b617ee6b17351aecc20b8dde","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_02_FOREIGN","kind":"fragment","locator":"article/B3-3.2-02/section/foreign-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:bdd7f8acf84d855268f1e28f19a57003e465a13f587e362444c249b6e80e85ee","language":"en","status":"official","text":"Foreign income is earned by a borrower who is employed by a foreign corporation or a foreign government and is paid in foreign currency. Borrowers using foreign income to qualify must meet the following requirements:\nCopies of signed federal income tax returns for the most recent two years that include foreign employment-related income.\nThe lender must satisfy requirements based on the source and type of income as outlined in Chapter B3–3, Income Assessment.\nAll documents of a foreign origin must be completed in English, or the lender must provide a translation, attached to each document, and ensure the translation is complete and accurate.\nAll income must be translated to U.S. dollars."}]},{"contentHash":"sha256:ae8fde70903f421ed2e4805d880e9771f56a27fa2f634ad38aadcfddfa84f43a","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_02_GAPS","kind":"fragment","locator":"article/B3-3.2-02/section/employment-gaps","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:0ddb876ecadad5683bf945a68afe3e8ababef6a8971e9f24ba038fed47ac96f5","language":"en","status":"official","text":"Borrowers with employment gaps during the most recent 12 months may appear to have unstable employment. Lenders must carefully analyze the borrower’s current employment to ensure that it is likely to continue.\nJob Changes\nBorrowers who change jobs frequently, but who are nevertheless able to earn consistent and predictable income, are considered to have a reliable flow of income for qualifying purposes."}]},{"contentHash":"sha256:03cccb422c7293c0f73acc3f503735537ef403dd788a6d78c14ee7aa984dccaf","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_02_MULTIPLE_JOBS","kind":"fragment","locator":"article/B3-3.2-02/section/multiple-jobs","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:ba021c93720be0d27ee789f3facba05ffbbc9df27d1678a7a18045ba42b58878","language":"en","status":"official","text":"Borrowers who are qualifying with income from multiple employment sources at the same time, including self-employment, must meet the requirements for each specific income type, as well as the following requirements:\nA two-year history for each income source is recommended; however, income that has been received for a shorter period of time (but, no less than 12 months) may be considered as acceptable income, as long as there are positive factors to reasonably offset the shorter income history.\nWhen the borrower’s employment history includes different employers, in no instance may the borrower have any gap in employment greater than one month in the most recent 12-month period, unless the employment is considered seasonal income (subject to the requirements in"}]},{"contentHash":"sha256:eda90c58717bb5b59887b95548e16ef2650f8c7e6592d5f7dc7c17cc78c4bcbd","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_2_02_PAY_RAISES","kind":"fragment","locator":"article/B3-3.2-02/section/pay-raises","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:942f2935ee35df0d10e0c00b06d3f8d72eed22f6ee413cdf000d1781d465d1e8","language":"en","status":"official","text":"Future increases in pay from the borrower's current employer may be included as qualifying income when the following requirements are met:\nThe income is fixed base only.\nThe transaction is a purchase money or limited cash-out refinance transaction.\nThe increase must take effect no later than 60 days after the note date.\nThe increase is fully verified with the employer using Form 1005, Request for Verification of Employment or other documentation directly from the employer that provides the terms of the future pay increase.\nBorrower must not be employed by a family member or interested party."}]},{"contentHash":"sha256:3d3a49564443eb2405551cad1e2db6a0fb32479d8d70bf8a98be9f295489945f","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_01_FIXED_CONTINUANCE","kind":"fragment","locator":"article/B3-3.3-01/section/fixed-base-income-continuance","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:ac55381d4e72ff8ce2499ca524300369f9b0d5fdc78e7e22aca1910636feabcf","language":"en","status":"official","text":"The following table provides requirements for fixed base income.\nCriteria\nRequirements\nDocumentation\nThe lender must obtain\na completed Request for Verification of Employment (\nForm 1005), or\nthe most recent paystub and most recent W-2.\nAdditionally, a verbal VOE is required. See\nB3-3.1-04, Verbal Verification of EmploymentB3-3.1-04, Verbal Verification of Employment, for specific requirements.\nIncome History\nA minimum history is not required for inclusion as qualifying income.\nIncome Continuance\nThe lender is not required to verify continuance unless they have reason to believe the income may not continue."}]},{"contentHash":"sha256:bfc87a3618355f45ac7f6b02e8ab74e2c4454acecc8e68d570482854b94c64d7","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_01_FIXED_HISTORY","kind":"fragment","locator":"article/B3-3.3-01/section/fixed-base-income-history","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:99c5f37284844395b548d0e7a2b91ef456abdead3656c15080d63e0d751b0ea7","language":"en","status":"official","text":"A minimum history is not required for inclusion as qualifying income."}]},{"contentHash":"sha256:10a38adecfdc5d24bff904074bb7e2ef3963a76ff3a2e1f2d3dfca164746aac8","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_01_FIXED_METHOD","kind":"fragment","locator":"article/B3-3.3-01/section/fixed-base-income-determination","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:1345d81f66dac6a70cac9f517711eceacd9e3a9d7a98c7e6f897668dd8e1e136","language":"en","status":"official","text":"The lender must calculate fixed base income as shown in the following table.\nHow Often Paid\nHow to Determine Monthly Income\nAnnually\nAnnual gross pay / 12 months\nMonthly\nUse monthly gross payment amount\nTwice Monthly\nTwice monthly gross pay x 2 pay periods\nBiweekly\n(Biweekly gross pay x 26 pay periods) / 12 months\nWeekly\n(Weekly gross pay x 52 pay periods) / 12 months\nHourly\n(Hourly gross pay x average # of hours worked per week x 52 weeks) / 12 months\nThe borrower's qualifying income must be consistent with year-to-date base earnings. If year-to-date income does not reflect at least 30 days' of earnings, the lender must confirm qualifying income is consistent with the prior year's earnings."}]},{"contentHash":"sha256:91e666fc2f95e0a333207895c3a761084808be71eac62b82aee6f01ce3ad54e2","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_01_OVERVIEW","kind":"fragment","locator":"article/B3-3.3-01/section/overview","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:c846f3c44e2b81b11c0f12a0a7f523fe847870fb90ab238505327d2e96623fd9","language":"en","status":"official","text":"Base income is received on a regular basis, independent of additional earnings such as overtime or bonuses. It is categorized as either fixed or variable:\nFixed base income refers to a set salary or fixed hourly rate with guaranteed minimum hours. These hours may have minor variances from pay period to pay period which does not alone preclude the borrower’s income from being considered fixed base income.\nVariable base income refers to a fixed hourly rate with fluctuating hours, or an hourly rate that varies."}]},{"contentHash":"sha256:7fec51768900be6235ded469690f37da8bad8379c35bb41afa601b8736f4a261","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_01_VARIABLE_HISTORY","kind":"fragment","locator":"article/B3-3.3-01/section/variable-base-income-history","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:62fb9c94dee2a4139716325a81495855ae94aac87d840f70afe1b75a2d22ee4a","language":"en","status":"official","text":"A minimum 12-month history of receiving variable income is required."}]},{"contentHash":"sha256:fd337944bd644070baf1a42402a20caf4e8616d9104a11777077386aff3c95d4","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_01_VARIABLE_METHOD","kind":"fragment","locator":"article/B3-3.3-01/section/variable-base-income-determination","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:a9d94724559b7fd69b010069bb93cce673571e01915e44c6ec81053ee7189829","language":"en","status":"official","text":"The lender must calculate income using one of the two methods below.\n1. Average Income: Depending on the historical trend of the income, the lender must calculate qualifying income as follows:\nStable or Increasing: Calculate an average income amount using year-to-date and previous year's earning. The calculation must include a minimum of 12 months' income.\nDecreasing: The lender must confirm the current income level has stabilized after the decline; otherwise, the income is not eligible for qualifying. To calculate income, use the year-to-date income divided by months elapsed in the current year.\n2. Average Hours: The lender must multiply the average monthly hours (based on at least the most recent 12 months) by the current fixed hourly rate."}]},{"contentHash":"sha256:b78bbd41eabbfc19b3e2fda6d40a3d44a9db54ae0fea88af62990a0e1a03b9f3","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_01_VARIABLE_TABLE","kind":"fragment","locator":"article/B3-3.3-01/section/variable-base-income-requirements","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:f058d6373ac5a277d1150dd80867690336edc9269bf7d5711cfa04a4f261369b","language":"en","status":"official","text":"The following table provides requirements for variable base income.\nCriteria\nRequirements\nDocumentation\nThe lender must obtain\na completed Request for Verification of Employment (Form 1005), or\nthe most recent paystub and most recent W-2.\nAdditionally, a verbal VOE is required. See\nB3-3.1-04, Verbal Verification of EmploymentB3-3.1-04, Verbal Verification of Employment, for specific requirements.\nIncome History\nA minimum 12-month history of receiving variable income is required.\nIncome Continuance\nThe lender is not required to verify continuance unless they have reason to believe the income may not continue.\nDetermination of Qualifying Income\nThe lender must calculate income using one of the two methods below.\n1. Average Income: Depending on the historical trend of the income, the lender must calculate qualifying income as follows:\nStable or Increasing: Calculate an average income amount using year-to-date and previous year's earning. The calculation must include a minimum of 12 months' income.\nDecreasing: The lender must confirm the current income level has stabilized after the decline; otherwise, the income is not eligible for qualifying. To calculate income, use the year-to-date income divided by months elapsed in the current year.\n2. Average Hours: The lender must multiply the average monthly hours (based on at least the most recent 12 months) by the current fixed hourly rate.\nNote: When a documented, non-recurring event outside the borrower's control temporarily prevented them from earning income, the lender may exclude that period from the income calculation.\nThe pay raise policy in\nB3-3.2-02, Standards for Employment-Related IncomeB3-3.2-02, Standards for Employment-Related Income\ndoes not apply to variable income. Any pay raises for variable base income must be in place prior to closing."}]},{"contentHash":"sha256:894a0e90123e8015d093a12360bd237f085d3ec017f79e0bace9148bfd2ed909","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_02_HISTORY","kind":"fragment","locator":"article/B3-3.3-02/section/income-history","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:ebfc9cff1c3a0424b59171f2cd78d43151101b0d7f2e07e710486f46d8f265df","language":"en","status":"official","text":"A minimum two-year history is recommended; however, income received for a shorter period, but no less than 12 months, may be considered as acceptable if there are positive factors to reasonably offset the shorter income history."}]},{"contentHash":"sha256:b8e2232c2a16fb89027be2d282a27aa0e5e0daeb01c9364e7fd2e777723707d3","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_02_METHOD","kind":"fragment","locator":"article/B3-3.3-02/section/determination-of-qualifying-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:0f206dc64b8f3b934263dece8e5b22c0223bb7ad3efd32983bfdbbd410d8cc60","language":"en","status":"official","text":"The lender must determine the income frequency (for example, weekly, biweekly, monthly, quarterly, or annually) to accurately calculate the monthly income amount. Once the monthly year-to-date income amount is determined, it must be compared to the earnings from previous years. Depending on the historical trend of the income, the lender must calculate qualifying income as follows:\nStable or Increasing: Calculate an average income amount using year-to-date and previous year’s earnings, divided by the number of months included in the year-to-date paystub and W-2s. The calculation must include a minimum of 12 months’ income.\nDecreasing: The lender must confirm the current income level has stabilized after the decline; otherwise, the income is not eligible for qualifying. To calculate income, use the year-to-date income divided by months elapsed since the income stabilized.\nWhen bonus income is used for qualification, the lender must calculate the monthly amount accurately for use in the trending analysis. For example, if a borrower receives an annual bonus on March 31st of each year, the bonus income should be annualized (divided by 12) to determine the appropriate monthly bonus amount. The lender must also ensure that all supporting documentation in the file supports the income used in the qualification process."}]},{"contentHash":"sha256:05204a1ed8d318c1a11878f270d950bfb8c829fd41cf77ca342eb2216878f5ea","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_03_DELIVERY","kind":"fragment","locator":"article/B3-3.3-03/section/delivery-requirements","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:bcd95064dfb842a02608d335b14092e414c4e6f5e1d7f88eb81c64dfd107e83a","language":"en","status":"official","text":"The lender must deliver the loan with Special Feature Code 707."}]},{"contentHash":"sha256:42df224ffc96f22d42f774e3c0b678b2a3b13085253f2baa8866ecc88ecea16b","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_03_ELIGIBILITY","kind":"fragment","locator":"article/B3-3.3-03/section/eligibility","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:1eb87dffa1efa4ee3336fcc6af365eb8d9a473f28ec684c7812d3cf84e592821","language":"en","status":"official","text":"If the borrower is scheduled to begin new employment under the terms of an employment offer or contract, the lender may deliver the loan in accordance with one of the options outlined below.\nThe following table provides requirements for employment offers or contracts.\nCriteria\nRequirements\nEligibility\nOption 1\nPaystub Obtained Before Loan Delivery\nOption 2\nPaystub Not Obtained Prior to Delivery\nThe borrower must not be employed by a family member or by an interested party to the transaction.\nThis option is limited to loans that meet the following criteria:\npurchase transaction,\nprincipal residence,\none-unit property,\nthe borrower must not be employed by a family member or by an interested party to the transaction, and\nthe borrower is qualified using only fixed-base income.\nThe 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."}]},{"contentHash":"sha256:e178c78da7ff537e9615dfd94b4f06d53ef9d4afeceb63bcb238c3b671bcad68","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_03_METHOD","kind":"fragment","locator":"article/B3-3.3-03/section/determination-of-qualifying-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:f26dabc49fca7f70cd83ca4d63bf9df7f5fc721fb42ad439caf433fc20a70cb0","language":"en","status":"official","text":"Determination of Qualifying Income\nThe lender must use the monthly income amount in the offer letter as qualifying income."}]},{"contentHash":"sha256:499d86570942d34a6e6f70f6fdc743e2aa10aa87c70bd789ae1422773b16a83c","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_03_OPTION1_DOCS","kind":"fragment","locator":"article/B3-3.3-03/section/option-1-documentation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:d27fcc59f289e03b73bd56548dd6db5313e7955a6ba67135643c812f2f408cc5","language":"en","status":"official","text":"The lender must obtain and review the borrower's fully executed offer or contract for future employment. The documentation must clearly identify\nthe employer and the borrower,\nthe terms of employment, including position, type and rate of pay, and start date.\nPrior to delivering the loan, the lender must save the most recent paystub from the borrower (that includes sufficient information to support the qualifying income based on the offer or contract) in the loan file."}]},{"contentHash":"sha256:ba7ceddbf7df696665a87552fcf619194fb718d4b14be8ba56c4753a789d7f74","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_03_OPTION2_DOCS","kind":"fragment","locator":"article/B3-3.3-03/section/option-2-documentation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:13d6d4a2a1bc4f13db4e6b91b32ef451a889ef315e8cb6a76b26db30609e502a","language":"en","status":"official","text":"The lender must obtain and review the borrower's fully executed and non-contingent offer or contract for future employment. The documentation must clearly identify\nthe employer and the borrower, and\nthe terms of employment, including position, type and rate of pay, and start date.\nIf conditions of employment exist, the lender must confirm prior to closing that all conditions of employment are satisfied (either by verbal verification or written documentation). The lender must note this confirmation in the loan file.\nFor a union member who works in an occupation that results in a series of short-term job assignments (such as a skilled construction worker, longshoreman, or stagehand), the union may provide the executed employment offer or contract for future employment."}]},{"contentHash":"sha256:69a09e90d50f7539b2ae6621e4e02c80fc50c8ee94d543fca9ecc9f47e880e0d","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_03_RESERVES","kind":"fragment","locator":"article/B3-3.3-03/section/reserve-requirements","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:c38686784733e77a92c9f0982fdb18c2543ff1d1c33b94fa7baf0c09a2981b77","language":"en","status":"official","text":"In addition to the amount of reserves required by DU or for the transaction, the lender must document one of the following:\nsix months' PITIA for the subject property; or"}]},{"contentHash":"sha256:e4b4053dfdc57b1e88d1084dde1ac41185a60dfb7dfdea2d996c24b616acc5c6","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_04_ALLOWANCE","kind":"fragment","locator":"article/B3-3.3-04/section/allowances","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:3e9138b8b41081de7e8637d893a18b39a2880bb6267b2dbda1eda7b2234064e6","language":"en","status":"official","text":"A minimum 12-month history is required.\nIncome Continuance\nThe lender is not required to verify continuance unless they have reason to believe the income may not continue.\nDetermination of Qualifying Income\nThe lender must add the full amount of the allowance to the borrower's monthly income, and not use it as an offset of the corresponding liability."}]},{"contentHash":"sha256:a23ba4999d7c92fa7ae657297e47f9e511aff07c145af4987004c0474b352d73","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_05_ALLOWANCES","kind":"fragment","locator":"article/B3-3.3-05/section/allowances","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:807bdfdf91ef2ee3a0c742b35bda7ae5b4c61bee1bb268ec03105a5167f6d265","language":"en","status":"official","text":"Military personnel may be entitled to different types of pay (\"allowances\") in addition to their base pay, including but not limited to flight or hazard pay, rations, clothing allowance, quarters' allowance, and proficiency pay. The lender must carefully examine allowances that a service member receives based on their location or the nature of their job duties. The lender may include these allowances as qualifying income provided there is no indication that the income amount will be lowered, in which case the lower amount must be used for qualifying, or discontinued altogether.\nDetermination of Qualifying Income\nThe lender may include the full amount of the borrower's monthly base pay and allowances as qualifying income."}]},{"contentHash":"sha256:e6ccce31795ac0ed7ba62efe789263d436d971bcb5ac8e1a039b30070716e87c","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_05_DOCUMENTATION","kind":"fragment","locator":"article/B3-3.3-05/section/documentation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:f97a4347b88f9cacf3ed5e8a7e243094d3f65f4d3e7705ad54a7efd83e0d779c","language":"en","status":"official","text":"The lender must obtain the borrower's most recent Leave and Earnings Statement (LES) dated within 120 days of the note date."}]},{"contentHash":"sha256:e9174035545945b725955d09de8f202ab22532ec1e249fdad92342d356f6697d","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_05_HISTORY","kind":"fragment","locator":"article/B3-3.3-05/section/income-history","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:e388529ad1b7c6b6002db0160e1e38635bd4cf24bf41686111af16bbf215e8e8","language":"en","status":"official","text":"Active Duty: There is no set minimum history requirement for inclusion as qualifying income.\nNational Guard/Reserves: A minimum 12-month history is required."}]},{"contentHash":"sha256:b48fc05dec11c648429e3a130c2b744514e74ba9d87e8f66ceb6f5c0e8d00f78","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_06_DIFFERENTIAL","kind":"fragment","locator":"article/B3-3.3-06/section/mortgage-differential-payments","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:a96bda4a17c7522e5c1568f3ecd0d333cf5502484a26be3c097d77265eb7d687","language":"en","status":"official","text":"There is no set minimum history requirement for inclusion as qualifying income.\nIncome Continuance\nThe lender must document that the income is expected to continue for at least three years from the note date.\nDetermination of Qualifying Income\nThe lender may add the full amount of the payment to the borrower's monthly income, and not as an offset to the mortgage payment."}]},{"contentHash":"sha256:d0a9f2a5da7bc0398c3feaed40bc182c97f3fc438162ffde13e20dd1a9ff7621","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_06_VERIFICATION","kind":"fragment","locator":"article/B3-3.3-06/section/differential-verification","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:84e7395199a8c66a2cb5691e3069008985b23190ea253c277b07669198eb76f5","language":"en","status":"official","text":"The lender must obtain written verification from the borrower's employer confirming the subsidy and stating the amount and duration of the payments, such as a written agreement between the borrower and employer."}]},{"contentHash":"sha256:daf120c1b0b10ff8a7e651b7869921229b9e619a7f0ae70943306431132ca383","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_07_CONTINUANCE","kind":"fragment","locator":"article/B3-3.3-07/section/income-continuance","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:0a332543a68b45e8d5a6123569f78e0f10da495655764541db4011d2d0bd5e6c","language":"en","status":"official","text":"For one-time awards: The lender must document that income on the vesting schedule is expected to continue for at least three years from the note date."}]},{"contentHash":"sha256:deff3fe0c70d6f4ac3b3139ac47c66187d32f88c4580a1fddc64f6139fbafa8a","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_07_DOCUMENTATION","kind":"fragment","locator":"article/B3-3.3-07/section/documentation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:c21362964bf4f366ec001944833c11c97f7b1bcc3fe1b13faa1eff5043aa142e","language":"en","status":"official","text":"The lender must also document the following:\nevidence stock is publicly traded;\ncurrent vesting schedule reflecting past and future vesting;\n200-day moving average stock price (for income paid in shares); and\nbrokerage or bank statement showing receipt of previous year(s) distribution of restricted stock and, at a minimum, the number of vested shares or cash equivalent."}]},{"contentHash":"sha256:ba55138f1fb924522c65e429048e16c47289f4691b0ed81d983f8695f82f407f","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_07_ELIGIBILITY","kind":"fragment","locator":"article/B3-3.3-07/section/eligibility","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:cc84605d29775deea8c8042e0ff8645a1c83627a269844b876a8c0c0163a98f8","language":"en","status":"official","text":"Restricted stock must have vested and been distributed to the borrower without restrictions.\nSign-on bonuses received in the form of restricted stock that vest over any length of time are not eligible to be used as qualifying income."}]},{"contentHash":"sha256:17db86ac073e02bbd33fd194f2ff11acc934b1eab818fe9268e21d69444bbe5f","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_07_HISTORY","kind":"fragment","locator":"article/B3-3.3-07/section/income-history","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:0879679070d17dd2f44ab485a8411509f973c0e0881cf696a2b97d2798fec0c3","language":"en","status":"official","text":"A minimum two-year history is recommended; however, income received for a shorter period, but no less than 12 months, may be considered acceptable if there are positive factors to reasonably offset the shorter income history, such as\nfuture vesting equal or greater than previous vesting and that will continue for at least 24 months; or\nrestricted stock income received for the previous 5 years from any employer.\nTime-based awards:\nA minimum 12-month history from the current employer is required."}]},{"contentHash":"sha256:11fcb67bfaf8e86770b1cdce437599e95b3bd861f9e6a2954a2b302f26e2009e","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_07_METHOD","kind":"fragment","locator":"article/B3-3.3-07/section/determination-of-qualifying-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:d5659b9f7d8c59eeca6561cd9a2431a369331a35facb1ce23f35b995fe97a61a","language":"en","status":"official","text":"The calculation method for restricted stock income will vary depending on whether payment is made in shares or cash.\nFor income paid in shares:\n(200-day moving average of share price x total number of distributed vested shares (pre-tax) in most recent 24 months) / 24 months\nFor income paid in cash:\nThe cash distributed (pre-tax) equal to the total value of vested shares in the most recent 24 months / 24 months\nNote: When the borrower has a history of income ranging from 12-24 months, the lender may use the actual number of months the borrower has received the income rather than 24 months."}]},{"contentHash":"sha256:b7648e13b29c76a792becd63a024edcede421626048003952a599a74ec2dfa0a","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_08_SEASONAL","kind":"fragment","locator":"article/B3-3.3-08/section/seasonal-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:e10cf3e7e2c4c40579ed7d82e226c548c84b7745efe088fe2a4b17be3310e513","language":"en","status":"official","text":"A minimum two-year history is required.\nIncome Continuance\nThe lender is not required to verify continuance unless they have reason to believe the income may not continue.\nDetermination of Qualifying Income\nThe lender must calculate an average income amount using year-to-date income, when present, and previous two years' earnings."}]},{"contentHash":"sha256:add113feb1978717820348bb0bc9a63966be23827191374b51ff10d0107f36ca","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_08_UNEMPLOYMENT","kind":"fragment","locator":"article/B3-3.3-08/section/seasonal-unemployment-compensation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:7a1488f25164cc3dbed34ec5ea0d5cfe6c2c90dad0baebfe21ff9b6cafacd40f","language":"en","status":"official","text":"Note: For seasonal unemployment compensation, the lender must verify that it is clearly associated with seasonal layoffs, expected to recur, and reported on the borrower's personal income tax returns. See"}]},{"contentHash":"sha256:e93e9a8ab24e5a7ae59354d25f3030f10832c66c33b0c6a4e300e5d07ae137af","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_09_CONTINUANCE","kind":"fragment","locator":"article/B3-3.3-09/section/income-continuance","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:9d38714335836f0d864a644f6f259638c6eb4c822c0fbf95bb8978fe03b87112","language":"en","status":"official","text":"The lender must not receive any evidence or information from the borrower's employer to indicate the borrower does not have the right to return to work after the leave period."}]},{"contentHash":"sha256:6d4e421579249be0d6f27e1442f6ddbe56ddbbc40c3a94b26d67ee29ebe96f4a","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_09_DOCUMENTATION","kind":"fragment","locator":"article/B3-3.3-09/section/documentation","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:df953d7a5b4948f6611d0b5a3c886af8aef01c29b7c7570f4de3e54133820ad9","language":"en","status":"official","text":"documentation to support the borrower's qualifying income in accordance with the specific income type in Section B3-3.3, Sources of Employment-Related Income, and must include:\nthe amount and duration of the borrower's \"temporary leave income,\" which may require multiple documents or sources depending on the type and duration of the leave period; and\nthe amount of the \"regular employment income\" the borrower received prior to the temporary leave. Regular employment includes, but is not limited to, the income the borrower receives from employment on a regular basis that is eligible for qualifying purposes (for example, base pay, commissions, and bonus).\nwritten confirmation from the borrower of their intent to return to work;"}]},{"contentHash":"sha256:577b51ced84712f0dc8a396f02e3cd30ee9f1d8ff06a4880c68b878419906c78","edition":"urn:us:fnma:clir:selling-income#FNMA_SELLING_GUIDE_2026","fragmentKind":"section","id":"urn:us:fnma:clir:selling-income#FNMA_B3_3_3_09_METHOD","kind":"fragment","locator":"article/B3-3.3-09/section/determination-of-qualifying-income","package":"urn:us:fnma:clir:selling-income","texts":[{"contentHash":"sha256:6fb7f14220ef4a813b22b4fc3d6bd16a5bec1b3e70dd7ee63397c4a9d4536418","language":"en","status":"official","text":"If the borrower will return to work as of the first loan payment date, the lender can consider the borrower's regular employment income in qualifying.\nIf the borrower will not return to work as of the first loan payment date, the lender must use the lesser of the borrower's temporary leave income (if any) or regular employment income. If the borrower's temporary leave income is less than their regular employment income, the lender may supplement the temporary leave income with available liquid financial reserves (see\nB3-4.1-01, Minimum Reserve RequirementsB3-4.1-01, Minimum Reserve Requirements). 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