People have to provide proof of their income in order to apply for a home mortgage loan. You can’t really get it done without respective documents persuading your mortgage company and a particular mortgage loan officer that you earn that much (some imaginary amount you want).

However, to pre-qualify yourself is easy if you work on hourly basis. Simply review your paycheck. If you work forty hours per week, get your hourly rate, multiply it by forty and then multiply by the number of working days per month. Usually, it’s 22 days.  Basically, that’s the logic and approach taken by mortgage companies when they get you pre-qualified on your home mortgage loan. They work backwards – calculate your gross income to see how big a home mortgage loan you can afford.

Check out how to operate a mortgage calculator. Simply plug in mortgage quotes received from several loan officers and see what is what referring to this or that mortgage loan type.