W2 or (2) Years Tax returns (first two pages) and the Schedule C, at time of the initial loan application.

Completed National Loan Auditors' Cover Page Form

Completed National Loan Auditors' Borrower Signature Authorization

Full Payment for cost of audit (Payable to National Loan Auditors)

Initial Estimated and Certified Final HUD-1 or 1A.

Estimated Closing Statement

Final Truth-In-Lending Disclosure and Itemization of Amount Financed

Note; with Endorsements, Modifications, Attachments, Riders, Addendums
If more than one loan; be sure to include copies of all notes

Prepayment Rider (if applicable)

Buy down Agreement (if applicable)

Mortgage Insurance Certificate (if applicable)

Information of estimated current market value (subject property) and DTI ratio

Section 32 Disclosure (if any)

Federal RESPA Test

Early Good Faith Estimate prepared by mortgage broker

Early Good Faith Estimate prepared by lender

Initial Truth-In-Lending Disclosure prepared by lender

Initial Loan Application (FNMA 1003) or Uniform Residential Loan Application)

California Per Diem Interest Test

Disclosure Concerning the Charging Per Diem Interest on California Mortgage

Rescission Test (Refinance only)

Notice of Right To Cancel (Notice of or Right of Recession)

Escrow /Impound Account Test

Escrow Waiver

Escrow / Impound Account Agreement

First Payment Date Test

First Payment Notice To Borrower

Review Stated Income in the Applications

Initial Loan Application (FNMA 1003) or Uniform Residential Loan Application)

Final typed Loan Application (FNMA 1003) or Uniform Residential Loan Application, from your closing)

Review Unauthorized Order Credit Report

Borrower's Authorization (initial)

Credit Report (ordered by broker)

Review Appraisal Report

Appraisal Report

Second Lien Documents with subordination agreements (if applicable)

FEMA Standard Flood Hazard Determination

Hazard Insurance Documents (include flood, wind, other applicable policies)

Sales Contract with all Addendums (if applicable)

Appraisal (from time loan was made)

Title Commitment and / or Title Policy and Survey or Platt

All State Disclosures

Home Owners Insurance Declarations Page (the current insurance on the home)

Property Tax Bill/Statement (most recent statement or printout from tax authority)