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Fannie Mae & Freddie Mac

When W-2s and tax returns already tell the income story

Conventional loans follow Fannie Mae or Freddie Mac rules. They are often a fit when paystubs, W-2s, and tax returns already show the income you need.

Who this is for

W-2 employees, dual-income households, and borrowers whose tax returns already support the payment.

Primary homes, some second homes, and some investment properties — occupancy rules are lender-specific.

How it works

Income is usually documented with paystubs, W-2s, tax returns, and employment verification. Debt-to-income is a core test.

If that stack already works, there is no prize for using a more complicated program. We still shop more than one investor, because overlays differ.

What to gather

  • Government photo ID
  • Most recent paystubs and W-2s, or tax returns if you are self-employed
  • Purchase contract or current mortgage statement, if you have it
  • HOA information for condos

Do not send Social Security numbers, dates of birth, or bank logins through this website.

This is not a commitment to lend. All loans subject to credit approval, underwriting guidelines and property eligibility. Programs and guidelines are subject to change without notice. Liberty Group Funding, Inc. is a mortgage broker and does not make loans directly.

Talk through a Conventional scenario

We will not ask for your Social Security number, date of birth, or bank account numbers on this form.

Liberty Group Funding, Inc., NMLS #1493267

  1. 1. Loan type
  2. 2. State
  3. 3. Purpose
  4. 4. Property
  5. 5. Amounts
  6. 6. Credit
  7. 7. Contact
What kind of loan are you looking at?
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Think conventional is the fit? Send the scenario.

Call, text, or send the short pre-qualification form. No Social Security number, date of birth, or bank logins.

Call (954) 391-5626Text UsComplete loan application

Liberty Group Funding, Inc., NMLS #1493267