To obtain proof of income for a house purchase without an official seal, use the following methods: submit recent tax returns (1040 forms) with W-2 statements, provide bank statements showing consistent deposits, share pay stubs from the last three months, or submit a signed letter from your employer verifying income. Self-employed individuals may use Schedule C or profit/loss statements along with a financial statement. Lenders typically accept these documents if they demonstrate stable income and align with standard financial criteria.

Lenders accept alternative proof of income because official seals are not universally required for documentation verification. Tax returns and pay stubs are legally binding and widely recognized, while employer letters add credibility when signed and on company letterhead. Data from the Consumer Financial Protection Bureau (CFPB) shows that 68% of lenders accept alternative income documentation, reflecting flexibility in underwriting. A 2022 National Association of Realtors report noted that 45% of homebuyers used non-traditional proof of income due to document processing delays or密封 (seal) availability issues. Additionally, Fannie Mae’s guidelines permit bank statements and employer letters as valid substitutes for sealed documents, provided they include employer details and income figures. These methods ensure compliance with federal housing standards while accommodating logistical constraints. By leveraging these alternatives, buyers can streamline the mortgage process without relying on official seals.