ADREAM Lending · W-2 friendly

W-2 mortgage options based on your real numbers, not guesses

Buying or refinancing? Pick your next step.

Purchase

Refinance

W-2 Mortgage Programs

Compare the main options side by side.

If you receive W-2 income, you have access to the widest range of mortgage programs. We compare them side by side so you can choose the one that best fits your down payment, credit and goals.

Conventional loans

Common for buyers with steady income and good credit, with options for different down payment amounts.

FHA loans

Government-insured loans with flexible credit guidelines. Learn more at HUD.

VA loans

For eligible veterans, service members and surviving spouses. See eligibility at VA.gov.

Jumbo loans

For purchase prices above conforming loan limits.

W-2 Mortgage FAQ

Common questions from W-2 borrowers.

What documents do W-2 borrowers need?

Usually recent pay stubs, W-2s from the last two years, bank statements and identification.

Can I buy and refinance with the same programs?

Yes, most W-2 mortgage programs are available for both purchase and refinance.

I also have side income. Does it count?

It may, if it’s documented and consistent. If most of your income is self-employment, bank statement loans may fit better.

Does pre-qualifying affect my credit?

Starting the pre-qualification questions does not affect your credit score.