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Latest Home Loan Q & A

Should I get Prequalified? When is an ARM better? Should I choose ARM or fixed rate? Do I need w-2 forms? What is a broker's responsibilities? Is my lease option a refinance?

Charlotte Home Loan Professionals

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STSFC is a local mortgage consultant and brokerage firm serving the Carolinas with professionalism and communication. We are able to work with clients from all situations and explain the best road to a home loan. We have helped hundreds of people acquire their pre-approval and walk away from renting and into home ownership for the first time.

Our programs, connections and open professioanl communication with clients has helped us to acquire great rates and low interest loands for clients in Huntersville, Charlotte, Mooresville, Concord, Matthews, Uptown, Rockhill, Lake Norman, Columbia SC and all surrounding regions of the Western Carolina.

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Do I Need W-2 Forms?

Do I Need W-2 Forms?

Unless you are self employed or receive more than 25% of your total income from commission income, you will always need to provide your W-2 forms. The rule of thumb is that the most recent 2-years are required to show a stable income pattern. If you are newly graduating from college or technical school, you can provide your related studies degree to verify your stability in a given field of work. However, if you work on a base pluss commision position, you would need to provide your W-2 and full tax returns to document whether or not you are responsible for expenses that would be deducted from your commission income. The same is applicable to self-employed borrowers regarding expenses.

Do I need w-2 forms?

Charlotte Home Loan And Mortgage Tips

This and many other free tips on the Charlotte mortgage process and offering are compliments of Lee Sharpe of STS Financial Corporation.

STSFC is a Charlotte Mortgage and Home Loan firm located in beautiful Huntersville, NC providing professional services to the greater Carolinas. STSFC services areas such as Huntersville, Mooresville, Davidson, Lake Norman, Charlotte, University City, Matthews, Rock Hill and Concord North Carolina.

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