July 31, 2024 Page 1 of 3 Form 6
Application Package Checklist
Borrower Name
Loan #
Lender Name
Contact Person
Phone #
Email Address
All required documentation must be uploaded via WHEDA-Connect*.
Preapproval Requests: Sections marked with (**) are required.
• Available for Broker or Mini-Correspondent Channels only
• For Preapprovals converting to a full file, refer to the Preapproval/Approve Certificate for all remaining required
documentation.
AUS Findings **
☐ DU/DO
®
Findings report
• Reflecting applicable Community Lending Product
o HFA Preferred™: MI required on loan amounts
>80%LTV
• Broker and Mini-Corr Channel: complete the final DO
submission
• Address listed
• Updated loan amount, purchase price, and appraised value
For FHA also include:
☐ Total Scorecard findings report
• Broker Channel (Sponsored Originator) or Mini-Correspondent
Channel: Complete the final DO submission
• Address listed
• Updated loan amount, purchase price, and appraised value
Initial Loan Application **
☐ FHLMC/FNMA Uniform Residential Loan Application
• Include completed demographic information addendum
• Must be signed by all borrowers
☐ Supplemental Consumer Information Form (Form 1103)
For FHA also include:
☐ FHA Initial Application Addendum (HUD 92900-A)
WHEDA Forms
☐ ** Borrower’s Affidavit (Form 2)
• disclose all persons who intend to occupy the property and
their income
• Include minors and/or dependents who reside
at least 50% of the time
• Must be signed by all borrower(s)
☐ Residential Loan Application Addendum (Form 3)
☐ Acknowledgement of Federal Recapture Tax
Requirements (Form 4)
• FTHB/VALOR only
For FHA also include:
☐ Identity of Interest Certification (Form 36)
Private Mortgage Insurance (Conventional Only)
☐ Mortgage Insurance Certification from a WHEDA Approved MI Company
• HFA Preferred™ with LTV greater than 80%
Education Certificates
☐ Home Buyer Education Certificate, dated within 1 year of the application date
☐ Landlord Education Certificate for 2-4 unit properties, dated within 1 year of the application date
Disclosures 1
st
Mortgage
☐ Loan Estimates
☐ Initial
☐ Rate Lock
☐ Any other applicable changed circumstances
☐ Settlement Service Provider Disclosure
☐ Intent to Proceed
☐ List of Homeownership Counseling Agencies
☐ Affiliated Business Disclosure, if applicable
☐ Reconsideration of Value Disclosure (initial)
For FHA also include:
☐ LDP/SAM searches for all entities as required by HUD
☐ Patriot Act Disclosure
☐ ECOA or Fair Lending Notice
☐ HUD form 92900-B Important Notice to Homebuyers
☐ Informed Consumer Choice Disclosure Notice
☐ Or, Lender’s verification of non-applicability
☐ Assumption Notice
☐ Borrower’s Certification and Authorization
☐ HUD 92564-CN For Your Protection
☐ Privacy Notice/FACT
July 31, 2024 Page 2 of 3 Form 6
Application Package Checklist
Easy Close Initial Disclosures, if applicable
☐ Loan Estimates
☐ Initial
☐ Rate Lock
☐ Any other applicable changed circumstances
Income Documentation**
All Borrowers
All Additional Household Occupants, 18 years and Older
☐ Most recent 2 years Federal tax transcripts
Additional requirements as applicable:
☐ Paystubs, OR Verification of Employment, with year-to-
date earnings and a minimum of 30 days of income
☐ 2 years W-2’s & 1099’s for all income shown on tax
transcripts
☐ If, self-employed 2 years signed federal income tax
returns, including all schedules and attachments
☐ 6 months history of child support or signed LOX regarding
receipt of child support
☐ SSI Award Letters and/or documentation for receipt of
income
☐ Pension
☐ Disability
☐ Certification of Zero Income (Form 35), if applicable
☐ 1 year complete 1040’s with all required schedules
Additional requirements as applicable:
☐ Paystubs, OR Verification of Employment, with year-to-
date earnings and a minimum of 30 days of income
☐ 1 years’ W-2’s & 1099’s for all income shown on tax
returns
☐ If self-employed, 1 year federal income tax returns,
including all schedules and attachments
☐ 6 months history of child support or signed LOX regarding
receipt of child support
☐ SSI Award Letters and/or documentation for receipt of
income
☐ Pension
☐ Disability
☐ Certification of Zero Income (Form 35), if applicable
☐ Taxpayer Consent (Form 47)
Asset Documentation**
☐ 2 months bank statements, or Verification of Deposit
☐ Gift Affidavit (Form 11), if applicable
• receipt of gift funds
☐ Supporting documentation for reoccurring deposits
• Certification deposits are not a result of other income
☐ Down Payment Assistance Commitment Letters
• Must include terms and conditions
• Retention Agreement or Note/Mortgage copies
For FHA also include:
☐ Gift Affidavit (Form 11), if applicable
• receipt of gift funds
• proof of donor’s source of funds
Credit Documentation **
☐ Triple Merged Credit Report Include
☐ All borrowers
☐ Non-applicant Spouse
☐ Notice to Home Loan Applicant/Risk Based Pricing Disclosure
☐ LOX for inquiries or derogatory credit within the past 90 days
Other Credit Documentation, as applicable
☐ Non-Traditional Credit
☐ VOR or 12 months canceled checks
☐ 12 months history of utility, cable, cell phone, etc.
☐ Bankruptcy documentation
☐ Divorce Decree/Marital Settlement Agreement
☐ Other Court-ordered Agreements
July 31, 2024 Page 3 of 3 Form 6
Application Package Checklist
Property Documentation
☐ Signed and accepted offer to purchase
☐ counter offers
☐ addenda
☐ amendments
☐ Real Estate Condition Report
☐ For 2-4 units, copy of lease agreement(s) if other
unit(s) occupied
☐ PDF version of FHLMC/FNMA Residential Appraisal Report
☐ Including photos and appraiser’s license
☐ Appraisal Completion Certification, if applicable
☐ UCDP FNMA Submission Summary Report (SSR)
☐ Flood Determination Certificate and Notice of
Special Flood Hazards and Availability of Federal
Disaster Relief Assistance Form, if applicable
☐ Evidence of Hazard Insurance
☐ Evidence of Flood Insurance (flood application and
paid receipt)
☐ Title Insurance Commitment
☐ Reconsideration of Value and Supporting Documentation,
if applicable
For FHA also include:
☐ Signed and accepted offer to purchase
• reflecting FHA financing
☐ Amendatory Clause
☐ Real Estate Certification
☐ EAD Appraisal Summary Report
☐ Title Insurance Commitment
• Including a 12-month chain of title
FHA New Construction (existing less than one year only)
☐ HUD-92541 – Builder’s Certification of Plans and
Specifications, and Site
☐ HUD-92544 – Warranty of Completion of Construction
☐ HUD 92051 – Compliance of Inspection Report (CIR)
☐ HUD-NPMA-99-A - Subterranean Termite Protection
Builder’s Guarantee
☐ HUD-NPMA-99-B, New Construction Subterranean
Termite Service Record, if applicable
☐ Wood Infestation Report
☐ Certificate of Occupancy
Condominium Documentation
☐ Condominium Questionnaire
☐ FNMA Form 1076 (Full Review), or an equivalent
☐ Condominium Budget
☐ Master Insurance Policy
☐ HO-6 Insurance Policy, if applicable
☐ Declarations and By-Laws
For FHA also include:
☐ Condominium Review Type
☐ HRAP Approved
☐ Single Unit Approval
☐ HUD Condominium Questionnaire (HUD-9991)
Manufactured Home Documentation (Conventional Only)
☐ Verification of Title surrendered
☐ Structural Engineer Report
• If structural additions exist (room additions, attached garages, etc.)
HomeStyle® Renovation Documentation (Conventional Only, Mini-Correspondent and Broker Channel Only)
☐ Scope of Work- with detailed breakdown of materials and labor
☐ Signed Renovation Contract Agreement (Form 38)
☐ Renovation Maximum Mortgage Worksheet (Form 41)
☐ Signed FNMA Consumer Tips Form (Form 1204)
Funding Documentation (Broker Channel Only)
☐ Funding Request (Form 7)
☐ UCD successful Feedback Report, include the embedded buyer’s closing disclosure (conventional only)
☐ Final Verbal Verification of Employment for all borrowers within 10 business days of the Note date
Additional Investor Documentation
☐ Uniform Underwriting and Transmittal Summary
☐ Non-US Citizen Documentation
• Permanent Resident Alien Card(s)
• Work Authorization
• Social Security number verified through Social
Security Administration
For FHA also include:
☐ Underwriting Transmittal Summary (HUD-92900-LT)
☐ HUD 92800.5b Conditional Commitment / Statement
of Appraised Value
*If you have not been approved with a WHEDA-Connect username and password, or if you need your password reset, please contact your
Delegated Administrator. If you do not know who your Delegated Administrator is, please contact WHEDA at 1-800-334-6873.
