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If you think you are a victim of a Predatory Loan it's time to take action!

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CHAPTER 10 Managing Mortgage Paperwork 159 Chapter 10 IN THIS CHAPTER » Complying with paperwork requests » Filling out the Uniform Residential Loan Application » Understanding other documents in the process Managing Mortgage Paperwork In this chapter, we review the forms you’re commonly asked to complete in the mortgage-application process. If you’re working with a skilled person at the mortgage lending or brokerage company, that person can help you navigate and beat into submission most of this dreaded paperwork. But we know you probably have some questions about what kinds of information you’re required to provide versus information you don’t have to provide. You also may be uncomfortable revealing less-than-flattering facts about your situation, facts you feel may jeopardize your qualifications for a mortgage. And finally, no matter how good the mortgage person you’re working with is, the burden is still on you to pull together many facts, figures, and documents. So here we are, right by your side to coach you. Pounding the Paperwork For a mortgage lender to make a proper assessment of your current financial situation, the lender needs details. Lots of them! Thus, mortgage lenders or brokers ask you to sign a form authorizing and permitting them to make inquiries of your Griswold, R. S., Tyson, E., & Tyson, E. (2017). Mortgage management for dummies. Retrieved from http://ebookcentral.proquest.com Created from apus on 2020-05-11 20:38:28. C o p yr ig h t © 2 0 1 7 . Jo h n W ile y & S o n s, I n co rp o ra te d . A ll ri g h ts r e se rv e d . 160 PART 3 Landing a Lender employer, the financial institutions that you do business with, the Internal Rev- enue Service, and so on. Mortgage lenders provide you with an incredibly lengthy list of documents that they require with mortgage applications, including the following: » Pay stubs, typically for the most recent 30 consecutive days » Two most recent years’ W-2 forms » Two most recent years’ federal income tax returns » Signed IRS Form 4506-T Request for Transcript of Tax Return » Year-to-date profit-and-loss statement and current balance sheet if you’re self-employed » Copies of past two months’ bank, money market, and investment account statements » Recent statements for all outstanding mortgages » Copy of current declarations pages for homeowners insurance policies in force » Home purchase contract (if you’re financing to buy a home) » Rental agreements for all rental properties » Divorce decrees » Federal corporate tax returns for the past two years » Partnership federal tax returns for the past two years » Partnership K-1s for the last two years » Condo or homeowners association documentation — such as CC&Rs, (covenants, conditions, and restrictions) bylaws, articles of incorporation, budget, reserve study, current regular assessment amount owed, if any, special assessments due now or approve.

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