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
  • 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)