Most recently filed and signed federal tax return with all schedules, and attachments including W2s

Three most recent statements (all pages) for every bank, investment, and retirement account

Most recent statement for every department store/credit card, auto/student loan, and other mortgages/liens

A form of state-issued identification, such as a driver’s license

A recent utility bill with your name and property address to show proof of residency

Signed and dated Hardship Letter detailing why it is difficult for you to make your mortgage payments

List of all household monthly income and expenses (actual expense monthly statement)

A copy of your Homeowners Insurance Declaration Page and Real Estate Property Tax Certification (tax bill)

For each salaried borrower: A month’s worth of the most recent paystubs (within 30 days of the event)

For each self-employed borrower: Most recent quarterly or year-to-date profit/loss statement stating three months of business bank statements

For each borrower with income such as Social Security, disability or death benefits, pension, adoption assistance, public assistance, food stamps, or unemployment: Benefits statement or Award Letter from provider, proof that you receive unemployment wages for a minimum of 12 months

For each borrower relying on alimony or child support as qualifying income: Divorce or other court decree, or separation agreement or other written agreement filed with the court stating amount and period of time it will be received, and three most recent bank statements showing receipt of such payment

For borrowers relying on rental income: A complete schedule of real estate that you own, including the monthly payment amount for principle and interest, the amount of taxes and insurance/escrowed), and any homeowner association dues, current Lease Agreement(s) in its entirety, signed and dated, and three months of bank statements showing deposit of payment or cancelled checks showing receipt of payment

For borrowers with income from other source(s) that amount to more than 20% of your total yearly income (this could include bonuses, tips or investment income, and letters regarding contribution to mortgage payments): A copy of documentation describing the nature of the income (employment contract or tip income)

For borrowers that belong to a Homeowners Association: A copy of a current bill or assessment