We only take your personal income into consideration. The following are acceptable forms of income:

• Salary, bonus, or commission paid by your employer.
• Hourly wages including overtime.
• Self-employment income that you’ve earned consistently for a full calendar year. Please note a filed tax return is required for verification.
• Income earned from being a shareholder in a corporation or partnership. Please note a filed tax return is required for verification.
• Rental property income that has been earned for a full calendar year. Please note a filed tax return is required for verification.
• Trust, Pension, Disability, Retirement, or Social Security income.
• Alimony, Child Support, or Separate Maintenance (Note: This income does not need to be disclosed if you do not want it considered in your application).

We do not consider the following income:

• Your household income, including spouse (we only take your personal income into consideration).
• Inconsistent investment income or dividends from stocks.
• Unrealized gains from equity.
• Signing bonuses or relocation packages.
• Business income (we only take into account your personal salary from your business).