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can i prequalify for a home loan if I do not have one of my W2s?

I have been working at the same job for 3 years now. I can not locate my 2011 W2 but I have 2012. I plan to put 20% - 30% or more down and when I checked my credit score last year it was in the 700's. I have all other financial documents in hand including my 2011 tax return that has all my W2 info plugged into it. Will that suffice or do I absolutely need both W2s? by conner_641_855 from Vallejo, California. Feb 4th 2013 Reply


Steven Ceceri (123LoanYes)
#12 ranked lender in Rhode Island - 723 contributions

No problem. I'm happy to help anytime you are ready as our company is a Federally Chartered Bank and a Nationwide Direct Lender with In-House Underwriting. Purchase Files are being processed the same day a complete file is submitted. If you'd like to get Pre-Approved, let me know. I'm here to help!

Feb 4th 2013
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Garett Hyman (GarettHyman)
#42 ranked lender in Michigan - 14 contributions

In most cases 2 years tax returns and 30 days pay stubs will suffice. Having your last 2 w2s is a lender overlay.

Feb 4th 2013
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Barb Lanis (BarbLanis)
#69 ranked lender in Illinois - 679 contributions

Conner: Lenders can obtain your IRS transcripts as an alternative. You should have no problem, lots of people lose their W-2's. There is a resolution for this!

Feb 4th 2013
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Anthony Piccone (apiccone)
#97 ranked lender in New Jersey - 17 contributions

You do not need both yrs W-2. If you have 2 yrs tax returns that will suffice. We also pull a 4506 tax transcript and your W-2 info will appear on those as well. It is not a requirement although some lenders afraid of not being able to sell their loans will fall on their swords and ask for it. We will not.

Feb 4th 2013
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Linda Wintersteen (Linda123)
#62 ranked lender in Arizona - 1,256 contributions

that is not a problem i have a way to get them for you... thanks to one of my sources, i can get them in about 10 minutes.. please contact me via the phone at 602 33 0 1598 or email at yourloanpartnerforlife@live.com linda

Feb 4th 2013
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 4,784 contributions

You can get pre-approved without it.. but you'll need to finalize then loan (closing). The easiest way is to simply contact that employer and ask. You can also get it from the IRS. There are even some web sites that will get it for you (for a fee).

Feb 5th 2013
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Sharon Calderon (Sharon)
#776 ranked lender in California - 5 contributions

It should be easy to get your last years 2011 W2 as you still work there...correct? Just ask HR for it. It can be worked out otherwise....call me Ill be happy to help...pogie calderon @ RPM 831-419-1790

Feb 5th 2013
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