Required Documentation

Standard Financial Documentation Required by Lenders:

     1.  Hardship Letter:

A type written letter which has been both signed and dated that outlines the events which have caused you difficulty in maintaining your monthly house payments. 

Examples:  Loss of job, relocation, loss of income, changes of employment and reduced income, death, divorce, illness, catastrophic event. 

     2.  Income Tax Returns:

The most recent two years of tax returns (all pages – a complete copy of returns). 

     3.  Bank Statements:

Two months banks statements; your two most recent months.  Both checking and savings accounts are required (include all pages of the statement). 

     4.  Pay Stubs:

Two of your most recent pay stubs from your last or current employer. 

     5.  Financial Analysis Worksheet:

This form must be obtained from your lender.  You must request this form along with a complete Financial Hardship Package from your lender. 

     6.  Loan Statements:

Copies of your most recent loan statements. 

     7.  Social Security Numbers:

Please provide your Social Security numbers as the lender will require this information for verification purposes. 

Summary: 

a)      All hardship documentation must be obtained from your lender and fully completed by you.

b)      Every page must have your loan number(s) written at the top or bottom of each page.

c)      This complete package will be submitted along with the documentation required from my end as your Realtor. 

Loan Numbers must be on  EVERY PAGE  of documentation!!

* Using Labels is Recommended *