HL-40093

Step 3 · Income orchestration

Okonkwo, A. · HELOC 1st lien · $140,000 · $0.98 spent

state
held
file 2 of 108
interrupt
missing_document
missing document
waiting
9m
astro · paused
missing_document
The 2025 W-2 isn’t in the folder — can income be verified for continuance without it?
What the run already has
paystub pg 1wage income · $9,240 / mo
paystub pg 2wage income · $9,240 / mo

Step 3 needs it because wage income needs a second year to establish continuance. Any of these would satisfy the requirement instead: a 2025 year-end paystub showing year-to-date wages; a written verification of employment; a 2025 tax return with a W-2 transcript.

The outcome is unchanged either way

Marked unavailable, step 3 routes this source to the self-employment path and the file continues. Wage income is already verified from two paystubs on pages 1 and 2.

Everything above came from the run — no document reading required. If answering this needs the loan folder, the payload is incomplete and that is a spec defect rather than a training issue.

Other files waiting

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