The borrower works variable hours.

The 2019 W2 shows annual earnings of

$65,000,

and the

2018 W2 show annual earnings of $ 81,000.

Year to date on the paystub shows they have

earned $58,200 through October 15

th

.

What pay can be justified for qualifying?

a.

$6095.52

b.

$5,416.67

c.

$5730.23

Explain why:

___________________________________________________________________________

___________________________________________________________________________

6.

The borrower makes $112,000 per year.

Their most recent 2 months' bank statements have

several deposits that are not from their payroll/employer in the amounts of $5000, $3150,

$4800, and $4000.

Which of these deposits would need to be sourced as a Large Deposit on a

purchase transaction?

(list all that apply)