When you come to meet with a DHIC Homeownership Advisor, please provide copies of the following documents:
Employment and Income History
- Two (2) most recent pay stubs for all borrowers
- Social Security, SSI, pension, or other benefit letters for all borrowers
- Evidence of any other income (child support, part-time employment, seasonal employment, etc.)
- W-2s for last two (2) years
- Federal Tax Returns for the last two (2) years (all pages)
- Explanation letter for all gaps in employment over one (1) month
Self-employment
- Past two (2) years signed and dated federal income tax returns (if self-employed or commissioned)
- Most recent quarter signed and dated year-to-date profit & loss summary
- Proof of quarterly tax payments for last four quarters (Federal & State)
Credit Items
- Names & addresses of all creditors along with account numbers, balances, and monthly payment accounts
- Explanation Letter for Judgments, Liens, Collections, Repossessions, Foreclosures, etc.
- DHIC Budget Sheet/Tracking sheets
- Official court documents regarding Chapter 7, Chapter 11, or Chapter 13 (including date discharged)
Deposit and Income Verification
- If child support or alimony is being used to qualify, provide proof of receipt
- Bank statements for checking and savings accounts covering last two (2) months
- If SSI, AFDC, or retirement income is to be used, provide award letters
Other Items
- Mortgage or Rental History (2 years)
- List the Name, Address, and account # (if applicable) for landlord and/or mortgage lender
- Address for the last two years
- Final divorce decree and property settlement agreement
- If gift money will be used, a letter stating the amount of gift, giver’s name and relationship to borrower
- Social Security Card AND Driver’s License (or Picture ID)
- Other: *$50 Counseling Fee (must be in the form of check, cashier’s check, money order, or online here)
- Client is responsible for any returned check fees
- Above fee is not applicable for Foreclosure Prevention Counseling
- Fees are subject to change
Foreclosure Prevention Counseling (if applicable)
- Hardship letter, signed and date by the borrower(s)
- Request for Mortgage Assistance (RMA), completely filled out, signed and dated by the borrower(s)
- 4506-T or 4506T-EZ, completely filled out, signed and dated by the borrower(s)