Income Packages
Everything a reviewer could want, in one folder.
A curated bundle: recent pay stubs, an income summary, and an annual report — sized to answer any income-verification request without a follow-up email.
Who it's for
- Mortgage underwriting
- Rental applications with strict requirements
- Financial aid applications
What's included
- Last 3 pay stubs
- Income summary
- Annual income report
- Cover page
What it proves
- Recent, historical, and aggregate income in one submission
What this document actually is
Reviewers ask for income proof in layers: something recent (stubs), something aggregate (a summary), something long-range (a year). An income package pre-answers all three in one PDF folder with a cover page indexing what's inside. Instead of a back-and-forth of "can you also send…", you send everything on the first try and shorten the review window.
When people reach for this document
You're in a fast-moving rental market and want first-day approval
Landlords in tight markets pick the applicant who submits the cleanest package. A pre-assembled bundle beats piecemeal PDFs.
Your mortgage loan officer asked for "everything income"
This is that. Underwriters can run DTI, reserves, and stability checks from one submission.
You're appealing a financial aid decision
Appeals officers want a complete picture — recent months, current cadence, prior year — so they don't have to request more.
What the delivered document looks like
- Cover page with contents list and applicant summary
- 3 most-recent pay stubs
- 12-month income summary
- Prior calendar-year annual report
- Combined into a single indexed PDF
What reviewers check
- Stubs, summary, and annual report reconcile to the same run-rate
- No gaps between the stub period and the summary window
- YTD on the latest stub matches summary's YTD
Questions specific to income packages
Why bundle instead of sending separately?
One PDF with an index gets reviewed faster than three attachments. Underwriters and landlords both prefer it.
What if the reviewer asks for something not in the package?
Add it as an appendix rather than re-generating the whole bundle. The cover page stays the anchor.
Can I include multiple earners?
Yes. Household applications (spouses, co-signers) get a bundle per earner behind the same cover.