Loan Documents for Full File
For Conventional, FHA, & VA Loan File Delivery
Direct Mortgage requires all conditions upfront. This allows us to quickly underwrite your files and allows you to prospect once the file goes to docs. Here are the documents that you should prepare to upload into DirectWare when submitting a file. There may be additional conditions as well.
- FHA Case Number Assignment with Netting Authorization Code (if applicable)
- FHA Streamline Worksheet or VA IRRRL (if applicable)
- Original FHA / VA 92900
- Original VA Certificate of Eligibility and VA Related Indebtedness (if applicable)
- 1008, MCAW, or VA Loan Analysis
- Original 1003
- Credit Letter of Explanation (if applicable)
- Credit Tradeline Updates (if applicable)
- Bankruptcy Papers (if applicable)
- Divorce Decree (if applicable)
- Written and/or Verbal VOE - Verification of Employment
- Pay Stubs (Provide the most recent 30 day pay stubs)
- 2 Years W2's and/or Tax Returns
- Lease Agreements, Proof of Misc. Income, Etc.
- VOD - Verifications of Deposit
- Bank Statements, 401(k) Statements, and Other Asset Documentation
- Gift Letter, HUD-1 to Verify Previous Sale, Proof of Earnest Money Deposit, Etc.
- REPC - Real Estate Purchase Contract - With All Addendums (if applicable)
- Appraisal
- Written Payoff Demand Letters for all Mortgages being Refinanced
- Preliminary Title Report
- Hazard Insurance
- Closing Doc Order Form
- Initial Good Faith Estimate (GFE)
- Initial Federal Truth In Lending Disclosure Statement (TIL)
- All other applicable disclosures
- 4506-T
- Borrower's Authorization
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