• Divorce or legal separation

Copy of divorce decree, signed by the court OR separation agreement, signed by the court OR current credit report evidencing divorce, separation or non-occupying borrower has different address

  • Death of Borrower or primary or secondary wage earner in the household

Death Certificate

  • Long Term or Permanent Disability; Serious illness of a borrower/co-borrower or dependent

Doctor’s certificate of illness or disability OR Medical Bills OR proof of monthly insurance benefits or government assistance (if applicable)

  • Disaster (natural or man-made) which adversely impacts the property or Borrower’s place of employment

Insurance claim OR Federal Emergency Management Agency grant or Small Business Administration loan OR proof of monthly insurance benefits or government assistance (if applicable).

  • Distant Employment Transfer

Written employer notification OR Military Service Orders

  • Business Failure

Tax Return from previous year (including all schedules) AND proof of business failure supporting by one of the following OR Bankruptcy filing on the business OR two months most recent bank statements for the business account evidencing cessation of business activity OR most recent signed and dated quarterly of year to date profit and loss statement

Posted in: Documentation Guidelines