Document Checklist

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Please provide clear copies of the following items if they apply.

IDENTIFICATION:

  • Driver's License(s) or Photo ID(s)

  • Social Security Card(s)- if available. PLEASE ENLARGE

  • Certificate of HECM Counseling Form, signed and dated

RETIREMENT INCOME:

  • Most recent end-of-year SS award letter and/or Pension Statement for current year

  • SSA 1099 most recent year

  • Bank statement verifying SS income

SELF-EMPLOYMENT INCOME (if needed to qualify):

  • Most recent two-year tax returns. Complete/all pages

  • Current P&L

  • Verification of 2 years SE

EMPLOYMENT INCOME

  • Most recent 30-day pay stubs

  • 2 years W-2s

PROPERTY:

  • Most recent mortgage statement

  • Declaration's page of homeowners insurance with agent contact info

  • Homeowners association name and contact info (if applicable)

  • Name, phone, number, relationship, & address of additional contact

MISC:

  • After initial underwriting, there may be additional items needed. We will let you know immediately.

  • Any delinquent payments on anything in the past 12 months, including late property taxes, homeowners insurance payments, and HOA dues