Mortgage Broker Wants Three Months of Pay Stubs in One PDF. Here's the Fast Way.

Some downloaded from ADP, some photographed from paper. Different formats, some sideways. Combine and fix them all before your lender deadline.

The Problem

Your mortgage broker asked for three months of pay stubs combined into one PDF. The problem: January was an ADP download, February was a Gusto PDF from your employer portal, and March was a paper stub you photographed with your phone — it came out landscape. You have three files in completely different formats, one of them is sideways, and your broker needs everything by Friday.

The Solution

Upload all three stubs to hasslefreepdf.com — PDFs and photos mix fine. Rotate the sideways landscape stub 90 degrees. Arrange them newest-first or oldest-first as your broker requested. Download one combined PDF ready to send.

Who This Is For

Anyone who is applying for a mortgage, car loan, or personal loan and needs to submit pay stubs from multiple sources. That includes people who switched payroll systems mid-year, borrowers who received some stubs as paper copies, and anyone who works multiple jobs and has stubs from different employers.

Combine my pay stubs now →

How it works

Go to hasslefreepdf.com — drag your pay stub PDFs and photos onto the upload area or click Choose Files to browse
If any stub is in landscape orientation, click the rotate button on that page thumbnail until it reads correctly
Arrange stubs in the order your lender requested — most ask for oldest-first or newest-first
Verify all pages are present and right-side up
Download the combined PDF and send it to your mortgage broker

Perfect for Your Workflow

hasslefreepdf.com accepts PDFs from ADP, Gusto, Paychex, QuickBooks Payroll, and employer self-serve portals — plus JPG and PNG photos of paper stubs. You can mix formats freely. The rotate tool fixes any landscape pages from photo captures or fax-forwarded stubs. No signup required. Files are processed in your browser session and are not stored after you download.

100% Free

No signup required

Mobile‑first

Works great on iPhone

Secure by design

Uploads processed per‑session

FAQs

How many months of pay stubs does a lender typically need?

Most mortgage lenders ask for the most recent 30 days of pay stubs, which is usually two to three pay periods for bi-weekly payroll or two pay periods for semi-monthly. Some lenders request 60 days or three months. Your loan officer will specify — only include the months they ask for.

Can I mix photographed paper stubs with PDF downloads?

Yes. Upload your ADP or Gusto PDF alongside any phone photos of paper stubs. hasslefreepdf.com accepts JPG, PNG, and HEIC images in addition to PDFs, so every format from every pay period goes into one combined file.

What if my stub is in landscape orientation from how I photographed it?

After uploading, you will see thumbnails of every page. Click the rotate button on any page that is sideways. One click rotates 90 degrees — click again if you need to rotate further. The lender needs to read your stub without tilting their head, so rotate until the text is upright.

I work two jobs. Should both employers' stubs be in one file?

Ask your loan officer — they will tell you whether they want everything in one PDF or separate files for each employer. If they want one combined file, upload all stubs from both jobs, group them by employer, then arrange months chronologically within each group.

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Merge these pay stubs

100% free • No signup • Mobile‑first