What you need to get ready before applying for a mortgage loan – Housing and Education Alliance

Counseling Assessment Checklist

In general, the documentation you will need includes:

Check for application fee

Income & Assets

Pay stubs for the last 30 days.

For the past two years:

	Names and addresses of each employer.
	Tax returns

Statements for each bank, mutual fund, and/or investment account for the last three months.

If you own more than 25% of a business:

Corporate or partnership tax returns.

If self-employed:

	Tax returns for the last three years (with schedules).
	Year-to-Date Profit and Loss Statement prepared by an accountant.

If you are retired:

Pension Award Letter.

If you receive Social Security:

Social Security Award Letter.

If you are counting child support as income:

	Copy of divorce settlement.
	Copy of three to six months of cancelled child support checks.

Debts

Names, addresses, account numbers, balances and monthly payments on all current loans.

Explanation of credit report anomalies, including:

	Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
	Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

VA Loans

Copy of DD Form 214, Report of Separation.

Miscellaneous

Copy of the driver's license and legible copy of Social Security.

Residence addresses for the past two years.

If applicable, a copy of your divorce decree.

If you are not a citizen, a copy of the front and back of your green card.

Copy of birth certificate for all minors (under 18) and legible copy of social security.

Class Certificate

Housing and Education Alliance 550 N. Reo St., Suite 300 Tampa, FL 33609

Phone: Fax: