Hi – that really depends on what 2017 looks like. Most loan officers will need to use two years of tax documents for you to qualify, so if you don’t have 2019 yet, then 2017 and 2018 can be used. When you get 2019 in, you can submit that, too. If 2017 isn’t sufficient then it’s probably best to wait until you have your 2019 documents particularly if it will result in a more favorable rate and overall offer.
Hi – While each bank has different lending requirements, most banks want to see the last two years. However, it doesn’t hurt to ask. But most likely the last two years are what a lender will use to qualify you.