Zillow Advice: Home Buying - when applying for a mortgage does the fannie/freddie look just at your tax return or w2 income? http://www.zillow.com/advice-thread/when-applying-for-a-mortgage-does-the-fannie-freddie-look-just-at-your-tax-return-or-w2-income/434945/ Zillow Advice | Zillow Real Estate They use both. Google FHA ... http://www.zillow.com/advice-thread/when-applying-for-a-mortgage-does-the-fannie-freddie-look-just-at-your-tax-return-or-w2-income/434945/ They use both. Google FHA debt to income ratio. Pull your free credit report for the year. Annualcreditreport.com and arm yourself first. Tue, 13 Mar 2012 16:44:00 GMT http://www.zillow.com/advice-thread/when-applying-for-a-mortgage-does-the-fannie-freddie-look-just-at-your-tax-return-or-w2-income/434945/ 2012-03-13T16:44:00Z