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Document Checklist

In order for us to understand your circumstances and determine which home loan assistance programs may be available to you, you'll need to bring the following documents with you to the event.

You have received a packet with the specific documents to bring with you when speaking with a specialist about your situation. This information will help us understand your circumstances so that we can determine which assistance programs may be available to you. The sections below will help you check that you have all the right documents that you are required to bring

Tell us about your situation

Is your loan owned or insured by:

Not sure? Your answer is important.

  • On your loan statement, check the "Additional Account Information"
    section for your loan type.
question icon

Check the "Additional Account Information" section of your loan statement for your "Loan Type."

EXAMPLE A: Federal Housing Administration (FHA)

Additonal account information

Property Address55 MAIN ST

Loan Type15YRFHA

Contractual Remaining term3 Years 2 Months

EXAMPLE B: Veterans Administration (VA)

Additonal account information

Property Address77 MAIN ST

Loan Type30YrVA

Contractual Remaining term19 Years 4 Months

EXAMPLE C: USDA (Rural Loan)

Additonal account information

Property Address88 MAIN ST

Loan Type30YR Com Rural Econ

Contractual Remaining term19 Years 6 Months

  • Or use the Fannie Mae or Freddie Mac lookup tools, or call them:

Fannie Mae 1.800.7FANNIE (8 a.m.-8 p.m. ET)

Freddie Mac 1.800.FREDDIE (8 a.m.-8 p.m. ET)

If you can't find this information, contact your Customer Relationship Manager to ask what type of loan you have.

Where is the property located?

Is there a member of your household (such as a partner, fiancé, spouse or other relative) who isn't listed on the loan but is contributing to the
household expenses?

Do you pay your property taxes and homeowners insurance with your mortgage payment each month?

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These are the forms that must be completed and signed by everyone listed on the loan. Additional documentation may also be required. Please provide copies and keep all originals for your records.

Please provide all of the following:

Required from each borrower:

Request for Mortgage Assistance (RMA) Opens in a new window

Request for Mortgage Assistance (RMA) Opens in a new window

Hardship Letter Opens in a new window explaining why you are behind on your mortgage payment

Hardship Affidavit Opens in a new window

Request for Transcript of Tax Return (IRS Form 4506-T) Opens in a new window OR signed copy of last year's federal tax return (all pages)

Uniform Borrower Assistance Form Opens in a new window

Request for Transcript of Tax Return (IRS Form 4506-T) Opens in a new window: only one form required if you and your co-borrower file jointly OR signed copy of last year's federal tax return (all pages) OR a signed copy of your most recent federal tax return (all pages) or signed copy of last year's federal tax return (all pages)

  • If your loan is from your state's Housing Finance Agency, then please provide two most recent years' filed tax returns, including all schedules and attachments
  • If you don't know whether or not your loan is with your state's Housing Finance Agency, please ask your Customer Relationship Manager.

All necessary hardship and income documentation noted in the Uniform Borrower Assistance Form

Signed Acknowledgement and Agreement Opens in a new window

Three most recent months of bank statements (all pages)

Three most recent months of brokerage account statements (all pages)

Current utility bill (such as gas, electric or water) showing your name and property address

Current bill or letter from homeowners/condominium association reflecting dues, if applicable

Two most recent years' W-2 tax forms

Two most recent W-2 tax forms

Two most recent months of bank statements (all pages)

Two most recent months of brokerage statements (all pages), if applicable

Two most recent, consecutive bank statements showing 60 days of pay (all pages)

Current utility bill (such as gas, electric or water) showing your name and property address

Third-Party Authorization Form Opens in a new window that authorizes us to disclose information to third-parties you choose and to verify that all financial information you provide is accurate

If you belong to a homeowners association, most recent statement or bill which includes the dues amount and frequency paid, including any past due amount

Signed and dated Third Party Authorization Form Opens in a new window to allow us to speak to your state about its Hardest Hit Funds program

Most recent county property tax statement for your primary residence that states total amount due for the current year

Most recent homeowners insurance declaration page for your primary residence that states the total premium amount for the current year

If a member of the household not listed on the loan is contributing to the household expenses, the non-borrower must also provide:

If a member of the household who is not listed on the loan is contributing to the household expenses, the non-borrower must also provide:

Request for Transcript of Tax Return (IRS Form 4506-T) Opens in a new window

Non-Borrower Credit Authorization Form Opens in a new window

The same income documentation (see page 2 of the Uniform Borrower Assistance Form) that is required for a borrower

Only income that is contributed to the monthly payment, which should be noted in the Household Composition & Income section of the RMA

The same income documentation that is required for a borrower

Please also provide the necessary documentation for the type of income you receive:

If your loan is from your state's Housing Finance Agency, please call your Customer Relationship Manager to understand which documents you need to submit.

If you receive a salary or hourly wage:

If you receive a salary or hourly wages:

At least two of your most recent pay stubs – or Leave and Earnings Statements for military borrowers (if applicable)

Two most recent pay stubs showing at least 30 days and year-to-date earnings

Most recent and consecutive pay stubs (or Leave and Earnings Statements for military borrowers) showing at least 30 days of income and year-to-date earnings:

Consecutive pay stubs (or Leave and Earnings Statements for military borrowers) showing 30 days of income and year-to-date earnings:

  • If you're paid weekly, provide four pay stubs
  • If you're paid twice a month, provide two pay stubs

However, if your loan is from your state's Housing Finance Agency and you receive a salary or hourly wages:

Most recent and consecutive pay stubs (or Leave and Earnings Statements for military borrowers) showing approximately 60 days of income and year-to-date earnings:

  • If you're paid weekly, provide eight pay stubs
  • If you're paid twice a month, provide four pay stubs

If you don't know whether or not your loan is with your state's Housing Finance Agency, please ask your Customer Relationship Manager.

If you are self-employed:

Your most recent quarterly or year-to-date Profit and Loss Statement (must be completed by a CPA)

Most recent signed and dated quarterly or year-to-date Profit and Loss Statement

One of the three following documents:

  • Previous year's business tax returns that were filed with the IRS (including all required schedules and attachments)
  • Signed and dated copy of the most recent quarterly Profit and Loss Statement
  • Signed and dated copy of the most recent year-to-date Profit and Loss Statement

And the two most recent months of business bank statements showing that business activity is continuing (all pages)

If you receive unemployment benefits that will continue for at least 12 months:

Benefits statement or letter from the provider that states the amount, frequency and duration of the benefit

Two deposit slips OR two cancelled checks showing that you received these payments

If you receive non-wage income such as part-time employment, bonuses, tips or investment income:

If you receive non-wage income such as part-time employment, bonuses, tips and investment income:

Documentation describing the specific source and amount of income, such as an employment contract or printouts documenting tip income

Two most recent months of bank statements showing that you received this income (all pages)

If you are on active military duty or within 12 months after release:

If you are on active military duty or within 9 months after release:

Copy of active duty, military orders or other proof of active duty status that shows the start and end date

Most recent Leave and Earnings statement that may include flight or hazard pay, rations, clothing allowance, quarters/housing allowance and proficiency pay

  • If you are not currently on active military duty, most recent pay stub that reflects at least 30 days and shows year-to-date earnings

If your employment is seasonal:

Letter from the employer that states the amount, frequency, and duration of the income

Documentation, such as bank statements (all pages), showing that you received this income from this source for at least two months

If you receive unemployment benefits:

Benefits statement or letter from the provider that states the amount, frequency and duration of the benefit

Two most recent months of bank statements showing that you received these payments (all pages)

Two most recent months of bank statements (all pages) showing that you received these payments

Benefits statement or letter from the provider that states your eligibility or any benefits received within the last six months. It must also show the amount, frequency and duration of the benefit

If you receive alimony, child support or separation maintenance:*

Divorce decree, separation agreement, or other written agreement filed with the court, or decree that states the amount and period of time over which the payment will be received. Your documentation must show that the payments will continue for at least 12 months

Divorce decree, separation agreement, or other written agreement filed with the court, or equivalent document that states the amount and period of time over which the payment will be received. Documentation must confirm that payments will continue for 12 months

One deposit slip OR copy of one cancelled check showing that you received this payment

Two most recent bank statements (all pages) or other third-party documents showing that you received these payments, such as deposit slips that have been validated by the financial institution where you deposited the payments, court verification or filed federal tax return with all schedules

Two most recent months of bank statements (all pages) showing that you received these payments

*You are not required to disclose alimony, child support or separation maintenance unless you wish to use those funds to help you qualify for assistance.

If you receive rental income:

Previous year's federal tax return – with all required schedules, including Schedule E – that you filed with the IRS

Previous year's federal tax return that you filed with the IRS – with all required schedules, including Schedule E

  • If Schedule E is not available because the property was not previously rented, provide a written explanation and the valid lease agreement

Two most recent months of bank statements (all pages) or cancelled checks showing that you received these rental income payments

All current rental agreements

A letter from you stating:

If more than one property is owned, a letter from you stating:

  • All properties that are owned
  • All properties that you own
  • Monthly mortgage payments
  • Monthly payments and name of the lender for any mortgages
  • Monthly tax and insurance for each property (if not paid with your mortgage payment every month)
  • Any homeowners association dues (if applicable)

If you receive rental and/or boarder income:

Documentation showing that you received at least one month's rental and/or boarder payment(s)

Signed letter from you listing:

  • All properties that are occupied by renters and/or boarders
  • The amount of rent you receive for each property
  • Monthly payments and name of the lender for any mortgages
  • Monthly tax and insurance for each property (if not paid with your mortgage payment every month)
  • Any homeowners association dues (if applicable)

If you receive Social Security, disability or death benefits, pension, adoption and/or public assistance:

If you receive Social Security, disability or death benefits, pension, adoption assistance or public assistance:

Benefits statement award letter OR your most recent bank statement (all pages) showing that you received this payment

Benefits statement or letter from the provider that states the amount, frequency and duration of the benefit

Two most recent months of bank statements (all pages) showing that you received this payment

Two most recent months of bank statements (all pages) showing that you received these payments

Documentation, such as bank statements (all pages), showing that you received this income from this source for at least two months

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