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What are my chances in getting a mortgage loan

So I spoke with the mortgage lender the other day and they mentioned in order to move forward and approve the mortgage loan I need the following;

  • 2 most recent bank statements
  • 30 days worth of paystubs
  • 2 most recent W-2

Here’s my dilema, I just opened a new bank account so I don’t have much history. I do have 30days worth of paystub so that won’t be a problem. As far as W2, I’m able to get just last years W2 but since I was out on FMLA it’s going to be below my actual salary. The year before that I was a consultant and didn’t get a 1099 because of my tax classification and no I haven’t filed a tax return yet but I will eventually.

Question: with the information stated above how difficult would it be for the underwriter to approve me for a mortgage loan? considering Good credit above 700 score?

Thanks I’m advance

submitted by /u/F4TROCKET
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source https://www.reddit.com/r/RealEstate/comments/t2j2tl/what_are_my_chances_in_getting_a_mortgage_loan/
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