Notes: No income required for IRRRL or Streamline. If your file is FHA, VA or USDA (government loans) and your borrower is married, you must include a non-borrowing spouse credit report and wet signed authorization for the spouse. Please ensure date on auth are before or day of credit pull. JOINT REPORTS WHEN NON-BORROWING SPOUSE IS NOT ON LOAN WILL NOT BE ACCEPTED. They must seperate credit reports!