📈 Proof of Income
Required
💡
Lenders require income verification for the past 2 years. Employed borrowers need paystubs + T4s. Self-employed borrowers need NOAs + financials.
🏠 Assets & Down Payment
Required
⚠️
Lenders require 90-day history of all accounts contributing to your down payment. Large deposits (>25% of monthly income) may need a letter of explanation.
🏗 Property & ID
If Applicable