1. Letter of Authorization. This letter allows the agent to call your lender on your behalf. Usually your agent will need the last four digits of your social security number as well as a good contact phone number.
2.Copy of last 2 years FEDERAL tax returns – all pages, and signed by you and/or your spouse in BLUE ink.
3. Enough paystubs for a ONE MONTH pay period
Loan Statement (for each loan)
4. Completed Budget or Financial Statement (signed) by you.
5. Hardship Letter – where you’ll briefly describe the reason for your hardship. Include any/all documents/pictures to support hardship. Example: roof receipts, pictures of old roof, medical bills, divorce papers, loss of income, etc.
6. Copies of last three (3) MONTHS bank statements – ALL PAGES – even the junk pages that you don’t think are relevant. If the bank statement says page 2 of 4 make sure that page 4 is included too.
7. Document any “special income”. For example if you receive Social Security Income include the annual letter from Social Security. If divorced, include the spousal income. Rental income, include a copy of a rental agreement.
8. Listing agreement – filled out and signed by the seller and agent.
9. Purchase contract – filled out and signed by buyer and seller.
10. Preapproval letter from buyer’s lender. A normal letter that shows that the purchaser is qualified and able to purchase the home.
11. A copy of buyer’s earnest money.
12. A HUD-1 statement. This is usually prepared by the escrow company and shows the lender(s) how much money the sale will net them after all expenses have been paid.

If you have hired a real estate agent to list your home, the bank is fully prepared to pay all the costs involved in the sale.
Write your LOAN NUMBER at the TOP of all pages in LARGE LETTERS.



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