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Can M&T Bank consider income not on my tax return?

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Typically, M&T Bank only considers income that's reported on tax returns when we conduct income verification. The exception, of course, is if the income is legally tax-free.

As we go through the mortgage application process with you, we'll review your income history and we'll crunch other financial data. If you report information that's not on your tax return or a W-2, we'll ask you about it as part of verifying income. It might be removed from consideration in your application – but that might not hurt your overall eligibility for a loan, either. No worries here – it's casual.