Debt-to-income ratio HR Pre-approval 
Redfin
MARCH 4, 2025
A 401(k) is a type of retirement savings account, where you elect a certain portion of your income to go into the account. The difference between these two accounts is that traditional 401(k) contributions are pre-tax, so youll be taxed once taking them out. How does withdrawing from a 401(k) affect mortgage approval?
HomeLight
AUGUST 16, 2021
Your tax returns for the past two years will show the lender whether your income fluctuates wildly or is steady. If you’ve recently gotten a new job with a higher salary, have a copy of your offer letter and start date from human resources (HR) to share with your lender. Debts and expenses. Unemployment paperwork.
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