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Documents You Must Bring

Create your customized document checklist. Take a moment to tell us about your situation and get a personalized list of documents you will need to bring with you.
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 will need to have specific documents 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 two sections below will help you quickly determine what you are required to bring with you.

Print and fill out

All four documents listed below need to be printed, filled out and signed by everyone listed on the loan.
If all borrowers are not able to meet in person with a specialist, please call 1.855.201.7426.
It is important that all borrowers complete, sign and date the paperwork before coming in.

Request for Transcript of Tax Return (IRS Form 4506-T) Tip Remember:

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

This authorizes us to request a copy of each
borrower’s tax return.

Hardship Letter

A detailed letter outlining your current hardship.

Create your personal checklist

Tell us about your situation below and we will give you a customized checklist of the additional documents you will need to bring with you.

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:

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. Tip Remember:

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

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.Tip 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:

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:

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

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).Tip Remember:

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

For each borrower who is self-employed:

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).

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.Tip 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.

*You are not required to disclose child support, alimony or separation maintenance income, unless you choose to have it considered.

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 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.Tip 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.