Borrower:
LO
Team Primary – Loan File Checklist / Stacking Order – VA
Loan #:
Date Reviewed:
OPTS
Points
DON”T FORGET TO SIGN THE DOCS!
File Submission Form / Condo/PUD Submission Form – FILLED OUT COMPLETELY
DU or LP Findings (correct property address and product)
Credit Report – (cannot be expiring prior to closing of loan)
Copy of Rate Lock / Registration – YOU MUST CHOOSE AN INVESTOR
ENTER FILE CONTACTS IN ENCOMPASS (AGENTS, ATTORNEY, BORROWER)
Letter of Explanation to the Underwriter from the Loan Officer
Credit Inquiry/AKA/ Derogatory / Past Address Letters – Signed by Borrower
DISCLOSURES – ALL MUST BE SIGNED & DATED
1003 (1003 fully completed)
GFE
Servicing Disclosure
Disclosure Notices (If refi-insurance information must be completed in anti-coercion section)
The Housing Financial Discrimination Act of 1977-Fair Lending Notice
4506T (2 pages)
Privacy Policy
Borrowers Certification & Authorization
Customer Identification Notice
Settlement Service Provider List (Providers info must be entered on form)
Social Security Administration
VA Benefit Questionnaire
VA Arm Certification
VA Child Care Letter
VA Nearest Living Relative
VA Notice to Applicants
VA National Guard/Reservist Guard Action
TIL
Department of Veteran Affairs –Federal Collection Policy Notice (Form 26-0503)
VA Department of Veterans Affairs – Debt Questionnaire (Form 26-0551)
Department of Veterans Affairs-Counseling Checklist for Military Homebuyers (Form 260592)
Department of Veterans Affairs-Request for Certificate of Eligibility(Form 26-1880) 2 pages
Department of Veterans Affairs-Rights of VA Loan Borrowers (Form 26-8978)
VA Amendatory/Escape Clause
Applicant(s) Appraisal Disclosure & Acknowledgment
VA Department of Veterans Affairs-Verification of VA Benefits (Form 26-8937)
HUD/VA Addendum to Uniform Residential Loan Application
Department of Veterans Affairs-Request for Certificate of Veteran Status (Form 26-8261a)
Flood Insurance Disclosure
GFE Acknowledgment & Intent to Proceed
USA Patriot Act Information Form
CONNECTICUT STATE DISCLOSURES
CT Interim Financing Policy Disclosure
CT Lock in Agreement / Commitment (Only if loan is locked)
CT Notice of Legal Representation
CT Agreement of Non-ReFundability (Only needed if borrower writes check for appraisal
fee)
PURCHASE INFORMATION
Purchase and Sales Contract – READ IT! Inspections Required? Personal Property?
IDENTITY INFORMATION
Copy of Photo ID / SS Card if Required by DO (legible photo w/date of birth legible)
Credit Card Order Form
INCOME DOCUMENTATION
The Past 4 Weeks Paystubs
The Past 2 Years W2’s
Tax Returns – If needed (self employed or Non Reimbursed Exp)
ASSET DOCUMENTATION
Asset Statements – ALL PAGES
LOX for ALL large deposits and documentation
CREDIT RELATED DOCUMENTS
Divorce Decree /Support Orders
Proof of Mortgage, Taxes and HOI on any additional property owned
Current Mortgage Statement (Opener to get Payoff Statement)
Current Homeowners Policy & Bill
Copy of any bills being paid off with proceeds - Note for 2nd Mortgage if re-subordinating