Closing pay stub gap 48 hours before (Ontario realtors)

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Why do lawyers ask last minute?

Lender conditions, employment verification, or title insurer requirements — not always predictable at offer.

How fresh must pay stubs be?

Follow lender/lawyer instruction — commonly latest pay period or a stated date window. Reject older.

Self-employed buyers?

Different lines — NOA, business statements — not employee stub template.

Who sends to lawyer?

Agent or TC exports approved package — per brokerage SOP.

Does Hivi-X talk to lenders?

No. You QC and export; lawyer sends to lender if needed.

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