You only legally need to provide, post closing (i.e. once the loan has already been funded) what you are required to provide in the mortgage agreement itself; review the agreement, to see if they have the right to keep demanding new paystubs. If the agreement gives them that power, you have to provide the pay stubs; otherwise, not. Remember: the mortgage is a contract: like with any contrract, you have those obligations, and only those obligations, that are required in the agreement itself.