{"id":657,"date":"2015-07-01T15:47:25","date_gmt":"2015-07-01T15:47:25","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/09\/01\/did-you-know-that-some-forms-of-nontaxable-income-can-be-grossed-up\/"},"modified":"2020-07-13T22:34:35","modified_gmt":"2020-07-13T22:34:35","slug":"non-taxable-income","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/non-taxable-income\/","title":{"rendered":"Did you know that some forms of non taxable income can be grossed up?"},"content":{"rendered":"<p>When it comes to buying or refinancing a home, lenders figure the borrowers&#8217; debt to income ratio.\u00a0 In calculating the total income, there are two main categories.\u00a0\u00a0Foremost,\u00a0there is taxable income which covers most types.\u00a0 Examples of taxable income include w2, most retirement pay, or self employment.\u00a0\u00a0Additionally, there is non taxable income, which is exempt from federal income tax.\u00a0 When borrowers have non taxable income, there could be advantages in getting a mortgage approval.<\/p>\n<h2>What is Non Taxable Income?<\/h2>\n<p>All\u00a0mortgage loans allow for grossing up certain types of non taxable income.\u00a0 It can be grossed up is because\u00a0mortgage loans go by a borrower&#8217;s gross income.\u00a0 The amount that non taxable income can be grossed up depends on the loan type and sometimes the borrower&#8217;s\u00a0tax rate.\u00a0 If the borrower(s) do not have to file a tax return, then the standard is grossing up income by 15 or 25%.\u00a0 So the grossed up figure is determined by\u00a0multiplying the income by the percentage.\u00a0 Although there are ways to gross up income higher than these percentages!<\/p>\n<h2>Non Taxable Income List<\/h2>\n<p>Below are examples of non taxable income sources.\u00a0 Do you have any of the following?\u00a0 Then it may help your mortgage loan approval!<\/p>\n<ul>\n<li>Pastoral housing allowance.\u00a0 <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/blog\/2014\/08\/03\/using-a-pastor-ministers-housing-allowance-to-qualify-for-a-mortgage-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">Check out our blog on using the pastoral housing allowance to qualify for a mortgage<\/a><\/span><\/li>\n<li>Car allowance paid for a period of 2 years or more (must have documentation of receipt)<img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1312 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/06\/mortgage-rates-picture-300x192.jpg\" alt=\"non taxable income grossed up\" width=\"300\" height=\"192\" \/><\/li>\n<li>Social security (if not taxed on the tax returns)<\/li>\n<li>Disability income like social security, <a href=\"http:\/\/teammovemortgage.com\/va-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">VA<\/span><\/a>, or other forms of disability income<\/li>\n<li>Nontaxable pension<\/li>\n<li>Railroad retirement income<\/li>\n<li>Non Taxable Combat Pay &#8211; Military Housing, clothing, and rations allowances<\/li>\n<li>Foster Care Income<\/li>\n<li>Indian Act Exemption<\/li>\n<li>Child support<\/li>\n<\/ul>\n<p>Often using the grossing up technique may be the difference between a denial and loan approval.\u00a0 Actually we receive questions across the country on this topic.\u00a0 Many are looking for a way to overturn a debt ratio denial by talking to a lender that understands these income sources.<\/p>\n<p>Hopefully\u00a0you find this article helpful and we encourage you to reach out to our dedicated team of loan officers.\u00a0 So let us help you buy your next home!<\/p>\n<p>Follow our writer, <a href=\"http:\/\/activerain.com\/profile\/rdsmith\"><span style=\"color: #476657;\">Russell Smith<\/span><\/a>, on <a href=\"http:\/\/activerain.com\/\"><span style=\"color: #476657;\">ActiveRain<\/span><\/a>.\u00a0 ActiveRain is a site\u00a0that real estate professionals, buyers, and sellers may use to gain helpful knowledge.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to buying or refinancing a home, lenders figure the borrowers&#8217; debt to income ratio.\u00a0 In calculating the total income, there are two main categories.\u00a0\u00a0Foremost,\u00a0there is taxable income which covers most types.\u00a0 Examples of taxable income include w2, most retirement pay, or self employment.\u00a0\u00a0Additionally, there is non taxable income, which is exempt from [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5693,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,17,40],"tags":[9,10,386,166,13,387,388,20,47,49,389],"class_list":["post-657","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frequently-asked-questions","category-products","category-tips","tag-first-time-buyers","tag-homebuyers","tag-how-to-gross-up-non-taxable-income","tag-mortgage-credit-score","tag-mortgage-faqs","tag-non-taxable-income","tag-nontaxable-income","tag-team-move","tag-va-home-loans","tag-va-requirements","tag-what-is-non-taxable-income"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Non Taxable Income Can Be Grossed Up to Help Buyers Get Approved<\/title>\n<meta name=\"description\" content=\"Non taxable income is income that is exempt from federal income taxes. 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