Bank Statement Converter for Sheet Metal Workers

Sheet metal workers, HVAC sheet metal installers, SMWIA (Sheet Metal Workers' International Association) members, and architectural sheet metal contractors can convert bank statement PDFs to Excel or CSV to document union wages, prevailing wage income, and overtime for mortgage qualification. Sheet metal workers in major metros earn $75,000–$120,000+ annually.

Key Benefits

• SMWIA journeyman and apprentice wage deposit documentation
• Prevailing wage project income from commercial construction
• Overtime and shift differential for mortgage income averaging
• Union health and annuity contribution documentation
• Commercial HVAC installation income patterns for lenders

How It Works

1. Step 1: Upload personal bank statement PDFs (24 months)
2. Step 2: Select Excel output
3. Step 3: Identify union payroll patterns and overtime deposits
4. Step 4: Submit to lender with SMWIA membership documentation and W-2s

Frequently Asked Questions

How do sheet metal workers document prevailing wage income for mortgage lenders?

Commercial and industrial prevailing wage rates for sheet metal workers range from $60–$90/hour all-in in major metros. Export 24 months of bank statements to show commercial project payroll deposits. Lenders count only the taxable wage portion for qualifying income. The payroll stub showing gross wages alongside the deposit confirms income for FHA, conventional, and jumbo applications.

Can SMWIA apprentices qualify for FHA mortgages?

Yes. SMWIA apprentices progress through 5 wage levels over 5 years, documented by the JATC. FHA loans with 3.5% down are most practical. Export bank statements showing apprentice wage deposits alongside JATC progress records confirming current wage level. Apprentices 3+ years into the program with consistent income history are strong FHA candidates.

Convert Sheet Metal Worker Statement Free