Can You Use a W2 as Proof of Income?

Can you use a W2 as proof of income? Yes, a W2 form can be used as proof of income, especially when applying for loans, renting an apartment, or other situations where verifying your financial status is essential; however, it’s crucial to understand its limitations and how it complements other financial documents. At income-partners.net, we help you navigate these financial requirements with ease, connecting you with resources and partners that can help you leverage all available income verification methods to enhance your financial opportunities, leading to increased revenue streams and collaborative advantages, focusing on consistent earnings and financial security. Partnering with the right entities can improve your financial standing.

1. What is a W2 Form and Why is it Important?

A W2 form, officially known as the “Wage and Tax Statement,” is a crucial document in the American tax system. Each year, employers are required to send W2 forms to their employees and to the IRS, detailing the employee’s annual earnings and the amount of taxes withheld from their paycheck. This form includes critical information such as:

Total wages earned during the year
Federal income tax withheld
State income tax withheld (if applicable)
Social Security tax withheld
Medicare tax withheld
Employee’s and employer’s identifying information (names, addresses, and Social Security numbers)

1.1 Why is the W2 Important?

The W2 form serves several essential purposes:

Tax Filing: It’s the primary document used by employees to file their annual income tax returns. The information on the W2 helps determine whether you owe additional taxes or are entitled to a refund.
Income Verification: Lenders, landlords, and other institutions often require proof of income to assess your ability to repay a loan or meet rental obligations. The W2 provides a standardized and reliable way to verify your earnings.
Social Security and Medicare: The W2 ensures that your earnings are properly credited to your Social Security and Medicare accounts, which determine your eligibility for future benefits.
Accuracy and Compliance: By comparing your W2 to your pay stubs, you can ensure that your employer has accurately reported your earnings and tax withholdings to the IRS.

Understanding the W2 form and its importance is the first step in effectively using it as proof of income.

The W2 tax form offers a clear summary of your earnings and taxes withheld for the year.

2. How Can You Use a W2 as Proof of Income?

A W2 form serves as a valuable tool for verifying income in various scenarios. Here’s how you can use it effectively:

2.1 Applying for Loans

Lenders require proof of income to assess your ability to repay a loan. A W2 form provides a snapshot of your earnings from the previous year, giving lenders confidence in your financial stability. Here’s how it works:

Mortgage Applications: When applying for a mortgage, lenders will typically ask for W2 forms from the past two years. This helps them evaluate your income history and job stability.
Auto Loans: Similarly, when financing a car, lenders use your W2 to determine your creditworthiness and ability to make monthly payments.
Personal Loans: For personal loans, banks and credit unions also rely on W2 forms to verify your income and assess your risk as a borrower.

2.2 Renting an Apartment

Landlords often require proof of income to ensure you can afford monthly rent payments. A W2 form can be a straightforward way to demonstrate your earnings.

Rental Applications: Landlords may ask for your most recent W2 form to verify your income and employment history.
Income Requirements: Many landlords have specific income requirements, such as requiring tenants to earn at least 30 to 40 times the monthly rent annually. Your W2 can help meet these requirements.

2.3 Other Situations

Beyond loans and rentals, there are other situations where a W2 form can be useful for income verification:

Government Assistance Programs: Some government programs, such as housing assistance or food stamps, may require proof of income to determine eligibility.
Child Support or Alimony: In legal proceedings related to child support or alimony, a W2 form can be used to verify your income for calculating payments.
Credit Card Applications: Although less common, some credit card companies may request proof of income to assess your ability to manage credit.

2.4 Limitations of Using a W2 Form

While a W2 form is a reliable source of income verification, it’s essential to be aware of its limitations:

Dated Information: A W2 form only reflects your earnings from the previous tax year. It may not accurately represent your current income if you’ve experienced job changes, promotions, or other significant financial changes.
Incomplete Picture: The W2 form doesn’t capture other sources of income, such as self-employment earnings, investment income, or rental income.
Potential for Fraud: Although less common, W2 forms can be forged or altered. Lenders and landlords may take steps to verify the authenticity of the document.

Understanding these limitations can help you supplement your W2 with additional forms of proof of income to provide a more complete financial picture.

3. What are the Alternatives to a W2 Form for Proof of Income?

While a W2 form is a standard document for income verification, it’s not always sufficient or applicable for everyone. Self-employed individuals, freelancers, or those with varied income streams may need alternative methods. Here are several alternatives to a W2 form that can be used as proof of income:

3.1 Pay Stubs

Pay stubs are documents received from an employer at the end of each pay period, detailing earnings and deductions.

How They Work: Pay stubs show your gross pay, taxes withheld, and net pay for a specific period. They provide an up-to-date snapshot of your income.
Usefulness: Lenders and landlords often accept recent pay stubs (usually the last two or three months) as proof of current income.
Limitations: Pay stubs may not reflect bonuses, commissions, or other irregular income.

3.2 Bank Statements

Bank statements provide a record of your deposits, withdrawals, and account balances.

How They Work: By reviewing your bank statements, lenders or landlords can see your income deposits over time.
Usefulness: Bank statements are particularly useful for self-employed individuals or those with irregular income, as they show a pattern of earnings.
Limitations: Bank statements don’t always specify the source of income, so additional documentation may be required.

3.3 Tax Returns

Tax returns provide a comprehensive overview of your income, deductions, and credits for a given tax year.

How They Work: Tax returns include various schedules and forms that detail different types of income, such as wages, self-employment income, and investment income.
Usefulness: Tax returns are useful for verifying annual income and can be particularly helpful for self-employed individuals.
Limitations: Tax returns only reflect past income and may not accurately represent your current financial situation.

3.4 1099 Forms

A 1099 form is used to report income paid to independent contractors, freelancers, and other non-employees.

How They Work: Each type of 1099 form reports different types of income, such as payments for services (1099-NEC) or investment income (1099-DIV).
Usefulness: 1099 forms are essential for self-employed individuals to verify their earnings.
Limitations: Like W2 forms, 1099 forms only reflect past income and may not capture current earnings.

3.5 Employer Letter

An employer letter is a written statement from your employer verifying your income and employment status.

How They Work: The letter typically includes your job title, salary, and length of employment.
Usefulness: An employer letter can be a quick and easy way to verify your current income, especially if you’ve recently started a new job.
Limitations: The letter may not be as detailed as other forms of proof of income, and its validity depends on the credibility of the employer.

3.6 Other Income Documentation

Depending on your specific circumstances, other types of documentation can be used as proof of income:

Social Security Benefits Statement: If you receive Social Security benefits, a statement from the Social Security Administration can verify your income.
Pension or Retirement Account Statements: Statements from your pension or retirement accounts can show regular income distributions.
Court-Ordered Payments: Documents related to alimony or child support payments can serve as proof of income.
Disability Payments: Award letters or statements related to disability payments can verify your income.

3.7 Choosing the Right Alternative

The best alternative to a W2 form depends on your individual circumstances and the requirements of the lender, landlord, or institution requesting proof of income. Consider the following factors when choosing an alternative:

Relevance: Does the document accurately reflect your current income?
Completeness: Does the document provide a comprehensive picture of your financial situation?
Acceptability: Will the lender, landlord, or institution accept the document as valid proof of income?

By understanding the various alternatives to a W2 form, you can be prepared to provide adequate proof of income in any situation.

The 1099-NEC form is essential for self-employed individuals to verify their earnings.

4. What are Common Challenges When Using a W2 for Proof of Income?

While a W2 form is generally a reliable document for income verification, there can be challenges in certain situations. Understanding these challenges can help you prepare and provide additional documentation to support your income claim.

4.1 Mismatched Information

One common challenge is when the information on your W2 form doesn’t match other documents or the information you’ve provided. This can raise red flags for lenders or landlords.

Name or Social Security Number Discrepancies: Ensure that your name and Social Security number are accurate on your W2 form. Any discrepancies can cause delays or rejection.
Address Differences: If your address on the W2 form is different from your current address, provide an explanation and supporting documentation, such as a utility bill or lease agreement.
Income Discrepancies: If the income reported on your W2 form doesn’t match your recollection, review your pay stubs and contact your employer to resolve any errors.

4.2 Self-Employment Income

If you have self-employment income in addition to your W2 wages, you’ll need to provide additional documentation to verify that income.

Schedule C: Include Schedule C from your tax return, which reports profit or loss from your business.
1099 Forms: Provide copies of any 1099 forms you received for your self-employment income.
Bank Statements: Use bank statements to show income deposits from your self-employment activities.

4.3 Recent Job Change

If you’ve recently changed jobs, your W2 form may not reflect your current income.

Offer Letter: Provide a copy of your offer letter from your new employer, which outlines your salary and benefits.
Pay Stubs: Include recent pay stubs from your new job to show your current earnings.
Explanation Letter: Write a letter explaining your job change and how it affects your income.

4.4 Irregular Income

If you have irregular income, such as bonuses, commissions, or overtime pay, your W2 form may not accurately represent your typical earnings.

Multiple Pay Stubs: Provide several months of pay stubs to show the fluctuation in your income.
Employer Letter: Ask your employer to write a letter explaining your income structure and the potential for bonuses or commissions.
Tax Returns: Use previous years’ tax returns to demonstrate your income history.

4.5 Unemployment

If you’re currently unemployed, your W2 form won’t reflect your current financial situation.

Unemployment Benefits Statement: Provide a statement from the unemployment office showing your current benefits.
Savings Account Statements: Include statements from your savings accounts to demonstrate your ability to cover expenses.
Job Search Documentation: Provide documentation of your job search efforts, such as applications and interviews.

4.6 Addressing Concerns

When facing challenges with using a W2 form for proof of income, it’s essential to address any concerns proactively.

Be Transparent: Provide honest and clear explanations for any discrepancies or unusual circumstances.
Provide Supporting Documentation: Gather as much supporting documentation as possible to verify your income claim.
Communicate with Lenders or Landlords: Maintain open communication with lenders or landlords and address any questions or concerns they may have.

By understanding these common challenges and how to address them, you can effectively use a W2 form as proof of income, even in complex financial situations.

5. Can You Use a W2 Form if You are Self-Employed?

Yes, you can use a W2 form even if you are self-employed, but it’s essential to understand how it fits into your overall income verification strategy.

5.1 Dual Income Streams

Many individuals have both W2 income from traditional employment and self-employment income from freelance work, side businesses, or other ventures. In these cases, the W2 form can be used to verify the portion of your income that comes from your employer.

5.2 Supplementing with Self-Employment Documentation

While your W2 form verifies your wage income, you’ll need to provide additional documentation to verify your self-employment income. This may include:

Schedule C: Include Schedule C from your tax return, which reports profit or loss from your business.
1099 Forms: Provide copies of any 1099 forms you received for your self-employment income.
Bank Statements: Use bank statements to show income deposits from your self-employment activities.
Profit and Loss Statements: Prepare a profit and loss statement for your business, detailing your income and expenses.
Contracts and Invoices: Provide copies of contracts and invoices to verify your self-employment income.

5.3 Demonstrating Financial Stability

When you have both W2 income and self-employment income, it’s essential to demonstrate your overall financial stability. This means showing that you have a consistent and reliable income stream, even if it comes from multiple sources.

Consistent Income: Show that your self-employment income is consistent over time, rather than sporadic or irregular.
Business Growth: Demonstrate that your business is growing and profitable, with increasing revenue and stable expenses.
Financial Planning: Provide evidence of your financial planning and budgeting, showing that you’re managing your income effectively.

5.4 Addressing Concerns

Lenders and landlords may have concerns about self-employment income, as it can be more variable and less predictable than W2 income. Be prepared to address these concerns by:

Providing Detailed Documentation: Gather as much documentation as possible to verify your self-employment income.
Explaining Your Business: Provide a clear and concise explanation of your business, including its purpose, operations, and financial performance.
Demonstrating Financial Prudence: Show that you’re managing your finances responsibly and that you have a plan for handling any potential income fluctuations.

5.5 Leveraging Income-Partners.net

At income-partners.net, we understand the complexities of managing multiple income streams. We provide resources and partnerships to help you:

Find Strategic Partners: Connect with partners who can help you grow your business and increase your self-employment income.
Improve Financial Planning: Access tools and resources to help you manage your finances effectively and plan for the future.
Enhance Income Verification: Learn strategies to enhance your income verification process and demonstrate your financial stability to lenders and landlords.

By leveraging your W2 form in conjunction with self-employment documentation and strategic partnerships, you can effectively verify your income and achieve your financial goals.

Self-employed individuals can supplement their W2 form with Schedule C to verify business income.

6. How to Get a Copy of Your W2 Form?

Obtaining a copy of your W2 form is essential for filing taxes, verifying income, and other financial activities. Here are several ways to get a copy of your W2 form:

6.1 From Your Employer

The most common way to get your W2 form is directly from your employer.

Electronic Delivery: Many employers now offer electronic delivery of W2 forms through secure online portals. Check with your HR department to see if this option is available.
Mail Delivery: If you don’t receive your W2 form electronically, your employer is required to mail it to your last known address by January 31st of each year.
Contacting Your Employer: If you haven’t received your W2 form by mid-February, contact your employer’s HR or payroll department to request a copy.

6.2 Through the IRS

If you can’t get a copy of your W2 form from your employer, you can request one from the IRS.

Form 4506-T: Use Form 4506-T, Request for Transcript of Tax Return, to request a wage and income transcript from the IRS. This transcript will include the information from your W2 form.
Online Request: You can submit Form 4506-T online through the IRS website. You’ll need to verify your identity and provide your Social Security number and other personal information.
Mail Request: You can also mail Form 4506-T to the IRS. The form includes instructions for where to mail it based on your location.

6.3 From Your Tax Preparer

If you use a tax preparer, they may have a copy of your W2 form on file.

Contacting Your Tax Preparer: Reach out to your tax preparer and ask if they can provide you with a copy of your W2 form.
Reviewing Past Tax Returns: Your tax preparer may also be able to provide you with a copy of your past tax returns, which will include the information from your W2 form.

6.4 From Your Payroll Provider

If your employer uses a payroll provider, such as ADP or Paychex, you may be able to access your W2 form through their online portal.

Creating an Account: Visit the payroll provider’s website and create an account. You’ll need to provide your Social Security number and other personal information to verify your identity.
Accessing Your W2 Form: Once you’ve created an account, you should be able to access and download your W2 form.

6.5 Keeping Your W2 Form Safe

Once you’ve obtained a copy of your W2 form, it’s essential to keep it safe and secure.

Store It Securely: Store your W2 form in a safe place, such as a locked file cabinet or a secure online storage account.
Protect Your Information: Be careful when sharing your W2 form with others. Only provide it to trusted individuals or institutions that require it for legitimate purposes.
Shred Old Copies: When you no longer need your W2 form, shred it or destroy it to protect your personal information.

By following these steps, you can easily obtain a copy of your W2 form and keep it safe for future use.

7. What is the Difference Between a W2 and a 1099 Form?

Understanding the difference between a W2 and a 1099 form is crucial for both employers and individuals. These forms report different types of income and have different tax implications. Here’s a breakdown of the key differences:

7.1 W2 Form

Purpose: The W2 form, officially known as the “Wage and Tax Statement,” reports the wages paid to employees and the taxes withheld from their paychecks.
Who Receives It: Employees receive a W2 form from their employer each year.
Employment Status: The W2 form indicates that you are an employee of a company, meaning you are subject to payroll taxes (Social Security, Medicare, and income tax) that are withheld from your paycheck.
Tax Withholding: Your employer withholds taxes from your paycheck and remits them to the IRS on your behalf.
Tax Filing: You use the information on your W2 form to file your individual income tax return (Form 1040).

7.2 1099 Form

Purpose: The 1099 form reports income paid to independent contractors, freelancers, and other non-employees. There are several types of 1099 forms, including:
- 1099-NEC: Reports payments made to independent contractors for services rendered.
- 1099-MISC: Reports miscellaneous income, such as royalties or rent.
- 1099-DIV: Reports dividends and distributions from investments.
- 1099-INT: Reports interest income.
Who Receives It: Independent contractors and other non-employees receive a 1099 form from each client or customer who paid them $600 or more during the year.
Employment Status: The 1099 form indicates that you are an independent contractor or freelancer, meaning you are self-employed and responsible for paying your own self-employment taxes (Social Security and Medicare) as well as income tax.
Tax Withholding: Taxes are not withheld from your payments, so you are responsible for estimating and paying your taxes throughout the year, typically through quarterly estimated tax payments.
Tax Filing: You use the information on your 1099 form to file your individual income tax return (Form 1040) and Schedule C, which reports profit or loss from your business.

7.3 Key Differences

Here’s a table summarizing the key differences between a W2 and a 1099 form:

Feature	W2 Form	1099 Form
Purpose	Reports wages paid to employees	Reports income paid to non-employees
Who Receives It	Employees	Independent contractors/freelancers
Employment Status	Employee	Self-employed
Tax Withholding	Taxes withheld from paycheck	No taxes withheld
Tax Responsibility	Employer remits taxes to IRS	Individual pays self-employment taxes
Tax Filing	Form 1040	Form 1040 and Schedule C

7.4 Misclassification

It’s important for employers to correctly classify workers as either employees (W2) or independent contractors (1099). Misclassifying workers can have significant legal and financial consequences for both the employer and the worker.

Employee Benefits: Employees are entitled to certain benefits, such as health insurance, paid time off, and retirement plans, which are not typically offered to independent contractors.
Tax Liabilities: Employers are responsible for paying payroll taxes for employees, while independent contractors are responsible for paying their own self-employment taxes.
Legal Compliance: Misclassifying workers can result in penalties and legal action from the IRS and other government agencies.

7.5 Seeking Clarification

If you’re unsure whether you should be classified as an employee or an independent contractor, seek clarification from the IRS or a qualified tax professional.

By understanding the differences between a W2 and a 1099 form, you can ensure that you’re correctly classified and that you’re meeting your tax obligations.

8. What is the Role of Income-Partners.Net in Helping You Verify Your Income?

At income-partners.net, we understand that verifying your income can be a complex and challenging process. Whether you’re applying for a loan, renting an apartment, or navigating other financial situations, we’re here to help you streamline the process and achieve your goals.

8.1 Providing Comprehensive Resources

We offer a wealth of resources to help you understand the various methods of income verification and how to use them effectively.

Informative Articles: Our website features informative articles and guides on topics such as using W2 forms, alternative forms of proof of income, and strategies for managing multiple income streams.
Expert Advice: We provide access to expert advice from financial professionals who can help you navigate complex income verification issues.
Tools and Templates: We offer tools and templates to help you organize your financial information and prepare documentation for income verification.

8.2 Connecting You with Strategic Partners

We connect you with strategic partners who can help you increase your income and improve your financial stability.

Business Partners: We help you find business partners who can help you grow your business and increase your revenue.
Financial Advisors: We connect you with financial advisors who can help you manage your finances effectively and plan for the future.
Lenders and Landlords: We partner with lenders and landlords who understand the complexities of income verification and are willing to work with individuals with diverse income streams.

8.3 Streamlining the Income Verification Process

We streamline the income verification process by providing you with the tools and resources you need to gather and present your financial information effectively.

Documentation Checklist: We offer a documentation checklist to help you gather all the necessary documents for income verification.
Income Verification Letter Template: We provide an income verification letter template that you can customize and use to verify your income.
Financial Planning Tools: We offer financial planning tools to help you demonstrate your financial stability and ability to meet your obligations.

8.4 Addressing Your Unique Needs

We understand that everyone’s financial situation is unique. That’s why we offer personalized support and guidance to address your specific needs.

Consultations: We offer consultations with financial experts who can provide tailored advice and guidance.
Customized Solutions: We work with you to develop customized solutions for verifying your income and achieving your financial goals.
Ongoing Support: We provide ongoing support to help you navigate the ever-changing landscape of income verification.

8.5 Empowering You to Achieve Financial Success

Our ultimate goal is to empower you to achieve financial success. By providing you with the resources, partnerships, and support you need, we help you:

Verify Your Income: Successfully verify your income for loans, rentals, and other financial situations.
Increase Your Income: Grow your business, find new income opportunities, and improve your financial stability.
Achieve Your Financial Goals: Achieve your dreams of homeownership, financial independence, and a secure future.

At income-partners.net, we’re committed to helping you navigate the complexities of income verification and achieve your financial goals.

Strategic business partnerships can significantly enhance your income verification process.

9. What are the Legal and Ethical Considerations When Using a W2 Form?

When using a W2 form for income verification, it’s essential to be aware of the legal and ethical considerations to ensure you’re acting responsibly and in compliance with the law.

9.1 Accuracy and Honesty

Providing Accurate Information: Always provide accurate and truthful information on your W2 form and any supporting documentation. Misrepresenting your income can have serious legal and financial consequences.
Avoiding Alterations: Never alter or falsify your W2 form. Doing so is illegal and can result in criminal charges.
Reporting Errors: If you discover an error on your W2 form, contact your employer immediately to correct it.

9.2 Privacy and Confidentiality

Protecting Your Information: Treat your W2 form and other financial documents with care and protect them from unauthorized access.
Sharing Information Responsibly: Only share your W2 form with trusted individuals or institutions that require it for legitimate purposes.
Complying with Privacy Laws: Be aware of and comply with privacy laws, such as the Gramm-Leach-Bliley Act (GLBA), which protects the privacy of financial information.

9.3 Avoiding Discrimination

Fair Housing Laws: Landlords must comply with fair housing laws, which prohibit discrimination based on race, color, religion, national origin, sex, familial status, or disability.
Equal Credit Opportunity Act (ECOA): Lenders must comply with the ECOA, which prohibits discrimination based on race, color, religion, national origin, sex, marital status, or age.
Using Income Criteria Fairly: Landlords and lenders must apply income criteria fairly and consistently to all applicants.

9.4 Verifying Information

Right to Verify: Lenders and landlords have the right to verify the information you provide on your W2 form and other financial documents.
Consent to Verification: By providing your W2 form, you’re implicitly consenting to the verification of that information.
Cooperating with Verification: Cooperate with lenders and landlords in their efforts to verify your income.

9.5 Seeking Legal Advice

Consulting with Attorneys: If you have any questions or concerns about the legal or ethical implications of using a W2 form, consult with an attorney or other legal professional.
Understanding Your Rights: Be aware of your rights as an applicant and seek legal advice if you believe your rights have been violated.

9.6 Ethical Considerations

Transparency: Be transparent with lenders and landlords about your financial situation and any challenges you may be facing.
Responsibility: Take responsibility for your financial obligations and make every effort to meet them.
Integrity: Act with integrity in all your financial dealings and avoid any actions that could be perceived as dishonest or unethical.

By adhering to these legal and ethical considerations, you can use your W2 form responsibly and maintain your financial integrity.

10. Frequently Asked Questions (FAQ) About Using a W2 as Proof of Income

Here are some frequently asked questions about using a W2 form as proof of income:

10.1 Can I use an electronic copy of my W2 form?

Yes, in most cases, you can use an electronic copy of your W2 form as long as it’s a legible and official document. Lenders and landlords may have specific requirements for electronic submissions, so check with them beforehand.

10.2 What if I lost my W2 form?

If you lost your W2 form, contact your employer immediately to request a duplicate. You can also request a wage and income transcript from the IRS using Form 4506-T.

10.3 Can I use my W2 form from a previous year?

While a W2 form from a previous year can provide some information about your income history, lenders and landlords typically require your most recent W2 form to verify your current income.

10.4 What if I have multiple jobs?

If you have multiple jobs, you’ll receive a W2 form from each employer. Provide all W2 forms to give a complete picture of your income.

10.5 Can I use my spouse’s W2 form?

Yes, you can use your spouse’s W2 form if you’re applying for a loan or rental jointly. Lenders and landlords will consider both incomes when assessing your ability to repay the loan or pay the rent.

10.6 What if my W2 form doesn’t reflect my current income?

If your W2 form doesn’t reflect your current income due to a recent job change or other circumstances, provide additional documentation such as pay stubs, an offer letter, or an employer letter.

10.7 Can a landlord ask for my W2 form?

Yes, landlords can ask for your W2 form as part of the rental application process to verify your income and assess your ability to pay the rent.

10.8 What if I am self-employed and don’t have a W2 form?

If you’re self-employed and don’t have a W2 form, you can provide alternative documentation such as tax returns, 1099 forms, bank statements, and profit and loss statements.

10.9 Can I redact certain information on my W2 form?

While you can redact sensitive information such as your bank account number, it’s generally not recommended to redact other information on your W2 form, as it may raise suspicion.

10.10 How long should I keep my W2 forms?

It’s generally recommended to keep your W2 forms for at least three years after filing your tax return, in case you need to amend your return or respond to an IRS inquiry.

These FAQs can help you navigate the process of using a W2 form as proof of income and address any concerns you may have.

In conclusion, while a W2 form is a valuable tool for verifying income, it’s essential to understand its limitations and how it complements other financial documents. At income-partners.net, we provide the resources and partnerships you need to navigate these requirements with ease, unlocking new opportunities for growth and collaboration. Connect with us today to discover how we can help you achieve your financial goals through strategic partnerships and innovative income verification strategies. Contact us at Address: 1 University Station, Austin, TX 78712, United States. Phone: +1 (512) 471-3434.