If you receive alimony or child support and would like to use that income to qualify for a mortgage, lenders typically need the complete legal documentation supporting the payments.

In most cases, this includes:

• The complete divorce decree
• Separation agreements
• Child support orders
• Any amendments or modifications made after the original order
• Proof that the payments are being received, such as bank statements or payment histories

Many borrowers assume we only need the page showing the payment amount. Unfortunately, that’s rarely enough. Underwriters are required to review the complete legal documents to verify the terms of the obligation, the payment amount, the duration of the payments, and any conditions that could affect the income.

If there have been multiple modifications over the years, we generally need all applicable court orders and amendments so the underwriter can establish a clear history of the income.

While these documents often contain personal information, they are a standard part of the mortgage process whenever alimony or child support income is being used for qualification. Providing complete documentation up front can help prevent underwriting delays and keep your loan moving smoothly.

We will also need to show these payments being deposited into your bank account because, particularly when it comes to child support, there is what the court orders and there is what is actually received.