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What documents do I need for my mortgage assistance application?

  • Updated

Here are the types of documents you might need to complete your mortgage assistance application. 

Documents About Your Hardship

 

Type of Hardship Required Document(s)
Long-term or permanent disability, or serious illness of a borrower, co-borrower, or dependent family member Do not send medical records or any details of your illness or disability. Instead, please provide:
  • A written statement from you or other documentation verifying disability or illness,  or
  • Proof of monthly insurance benefits or government assistance (with expiration date, if applicable)
Divorce or legal separation
  • Final divorce decree or separation agreement, or
  • Recorded quitclaim deed showing that the non-occupying borrower has vacated the property
Separation of borrowers unrelated by marriage, civil union, or similar domestic partnership under applicable law
  • Legally binding agreement evidencing that the non-occupying borrower has relinquished all rights to the property, or
  • Recorded quitclaim deed showing that the non-occupying borrower has vacated the property
Death of borrower or death of either the primary or secondary wage earner
  • Death certificate, or
  • Obituary or newspaper article reporting the death
Distant employment transfer/relocation

For active duty servicemembers:

  • Permanent Change of Station (PCS) order or letter showing transfer

For employment transfers/new employment:

  • Copy of signed offer letter or notice from employer showing transfer to a new location (or written explanation if employer documentation is not applicable, and
  • Documentation that reflects the amount of any relocation assistance provided

Documents About Your Income

For each item, you’ll be asked to provide either:

  • Your two most recent bank statements showing the claimed income in deposit amounts; or, if these bank statements do not show the claimed income amount,
  • The alternative documents in the table below
Income Required alternative documents
Wages, salary, overtime pay, commissions, tips, and bonuses
  • Most recent pay stub, and
  • documentation of year-to-date earnings (if not on paystub)
Self-employment income Most recent signed and completed business or individual tax return
Unemployment Benefits Award letter or other documentation showing the amount, frequency, and duration of benefits

Taxable Social Security, pension, disability, death benefits, adoption assistance, housing allowance, or other public assistance

 Award letter or other documentation showing the amount, frequency, and duration of benefits

Non-taxable Social Security or disability benefits, child support payments, death benefits, adoption assistance, or other non-taxable income

 Award letter or other documentation showing the amount, frequency, and duration of benefits
Rental income Two most recently deposited rent checks
Investment or insurance income Two most recent investment statements

Other sources of income not listed above

Other documentation showing the amount and frequency of the income

 

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