Problem: A loan applicant tells the mortgage loan originator (MLO) that the applicant is going to receive a promotion and a pay Increase. The MLO should contact the employer to confirm the applicant is getting a pay increase tell the applicant to hold off on applying until he has documentation of the pay increase. Take an application and the increased Income. Take an application based on the current information but tell the applicant to supply documentation of the pay Increase as soon as he has it.