To buy a house without salary verification, focus on alternative income documentation and leverage financial assets. Use tax returns, W-2 forms, or pay stubs from the past 12 months to demonstrate stable earnings. A large down payment (20% or more) reduces loan risk and may qualify for loan programs that bypass traditional income checks. Consult mortgage lenders specializing in non-traditional programs, such as those offered by credit unions or government-backed loans like FHA or VA. Some lenders accept gift funds, retirement account statements, or rental income as proof of financial capacity.

Lenders increasingly rely on alternative data to assess creditworthiness, particularly for self-employed or gig workers. A 2023 report by the Mortgage Bankers Association found that 30% of lenders now offer loans without formal income verification, up from 15% in 2020. This shift aligns with Fannie Mae’s 2023 guidelines, which permit alternative income documentation if supported by two years of consistent cash flow. For example, FHA loans require a 3.5% down payment but accept assets, investment income, or even proof of future employment offers. Data from the National Association of Realtors shows that 22% of first-time buyers used non-traditional income sources in 2023, reflecting broader market adaptation to economic diversity. However, lenders may still require a credit score of 620+ and thorough documentation to offset higher default risks. By combining alternative proof with strong financial reserves, buyers can navigate traditional barriers while maintaining competitive loan terms.