Documents You Must Bring

Print this page and use this checklist to make sure you have all the proper documents.

If you are mailing in documents, please send in copies and keep the originals for your records. If you are attending an event or meeting with a specialist at one of our Customer Assistance Centers, you may bring original documents. They will be returned to you at the end of your appointment.

For each borrower listed on the loan:

Recent utility bill with your name and property address to show proof of residency. Remember:

The bill must be dated within the last 30 days.

If there is a non-borrower who contributes more than 20% of the total gross income, you’ll need to provide proof that the non-borrower lives in the same primary residence as you.

Federal tax returns: Signed and dated federal tax returns are required for the two most recent years; include all pages and all schedules of each return. If you filed a joint federal tax return with another borrower, only the joint tax return is needed. If you and the other borrower did not file jointly, you each need to submit your own individual federal tax return. Remember:

If you’re not required to file a federal tax return, please submit a letter of explanation.

Bank statements: Two most recent statements for all personal and business bank accounts. Remember:

Be sure to include all pages for each account statement that you may receive in the mail or be sure to print out the official PDF statements from online banking.

We cannot accept screen printouts from online banking.

A detailed breakdown of all your monthly expenses: If you do not already have an itemized list, you can print out our budget worksheet to make one. Be ready to discuss in depth what money you have coming in and how you are spending it.

For borrowers who have moved out of the property due to new employment:

Proof of employment: Documentation showing that your new employment was more than 100 miles from your property.

For each borrower who pays homeowner or condominium fees:

Current homeowners association bill, assessment or letter showing that all fees to date have been paid. Remember:

This document must be on business letterhead.

For borrowers who do not pay their property taxes or homeowner’s insurance with their monthly mortgage payments:

Homeowner’s Insurance Declaration Page definition: This states what your homeowner’s insurance policy covers; it is typically the first or second page of your annual policy. (if applicable)

Real Estate Property Tax Certification (Tax Bill)

For borrowers who do not pay their property taxes with their monthly mortgage payments:

Real Estate Property Tax Certification (Tax Bill)

For borrowers who do not pay their homeowner’s insurance with their monthly mortgage payments:

Homeowner’s Insurance Declaration Page definition: This states what your homeowner’s insurance policy covers; it is typically the first or second page of your annual policy. (if applicable)

For homeowners with a property in ArizonaCaliforniaNevadaRhode Island—Hardest Hit Funds:

Third-Party Authorization Form: This form authorizes us to work with the agency in your state which is administering your funds. Remember:

The form must be filled out completely.

The form must be signed.
Download the Arizona form Opens a new window. Download the California form Opens a new window. Download the Nevada form Opens a new window. Download the Rhode Island form Opens a new window.

For each borrower who receives a salary or hourly wages:

Pay stubs: Two most recent consecutive pay stubs covering at least 30 days income and providing your year-to-date earnings (i.e., two pay stubs if paid semi-monthly; four pay stubs if paid weekly). Remember:

The pay stubs you submit must be less than 60 days old.

For each borrower who is self-employed:

Quarterly or year-to-date profit/loss statements: Most recent statements, signed
and dated. Remember:

The statements must include business name, income, net income after expenses, and the start and end dates for the statement period.

The statements can’t be older than 90 days.

Be sure to include the applicable self-employment tax schedule (C, E and/or K-1).

If you're no longer self-employed, please provide your canceled business license or letter of explanation.

For each borrower who has rental income:

Federal tax returns: Federal tax returns from the previous two years with all required schedules, including Schedule E (Supplemental Income and Loss); if a Schedule E is not available because the property was not previously rented, please submit a letter of explanation.

If you cannot provide federal tax returns, as an alternative you can submit all of the following:

Real estate: Complete list of real estate that you own, including the monthly payment amount for all mortgages, taxes and insurance (if not impounded/escrowed), and any homeowner association dues.

Lease agreement(s): Current rental agreement(s).

Proof of rental income: Evidence of receipt of payment, such as two most recent bank statements. Remember:

Be sure to include all pages for each account statement that you may receive in the mail or be sure to print out the official PDF statements from online banking.

We cannot accept screen printouts from online banking.

For each borrower who is relying on alimony, child support or separation maintenance as qualifying income:*

Divorce/separation agreement: Divorce decree, separation agreement or other written agreement that states the amount of the alimony or child support filed with the court and the period of time over which it will be received. You must also include bank statements or other proof that payments were received. Remember:

Be sure to include all pages for each account statement that you may receive in the mail or be sure to print out the official PDF statements from online banking.

We cannot accept screen printouts from online banking.

For Military borrowers on active duty or within 9 months of release:

Military status: Active-duty military orders or other proof of active duty status which reflects start and end date.

Earnings and leave statement: Monthly statement of your earnings.

For each borrower who has income such as Social Security, disability or death benefits, pension, adoption assistance, public assistance, unemployment or if your employment is seasonal:

Benefits statement: Recent benefits statement or letter from the provider that states the amount, frequency and duration of the benefit. You also need to bring evidence of receipt of payment, such as two most recent bank statements. Remember:

If unemployed, proof that you will receive unemployment wages for 9 continuous months is required.

For each borrower who has non-wage income (bonuses, tips, investments, renter income or any additional household contributions):

Income source/amount: Documentation describing the nature of the income, such as an employment contract or documents tracking tip income, room rental agreement, spouse/parental support, etc. You also need to bring evidence of receipt of payment, such as two recent bank statements. Remember:

Be sure to include all pages for each account statement that you may receive in the mail or be sure to print out the official PDF statements from online banking.

We cannot accept screen printouts from online banking.

Print this page and use this checklist to make sure you have all the proper documents.