In light of the massive increase of unemployment due to COVID-19, the guidelines for obtaining a home loan are changing regularly. If you are back-to-work and are looking to get pre-approved for a home loan, check in with your lender well ahead of time to be sure you can provide the proper income documentation. Lenders may be asking for a certain number of pay stubs showing back-to-work income before being able to pre-approve the buyer. Another area of concern for lenders is mortgage deferment. If you are looking to buy a home in the near future and your mortgage is in forbearance, there are specific requirements to meet before being able to buy. The bottom line is to check in with your lender today to be sure you understand the current guidelines that apply to you. If you don’t have a trusted lender, I would be honored to help you!