During the homeowner assistance process, you may need to submit a variety of documents to help us understand your financial situation. To learn more about individual documents, and to download copies of selected forms, choose from the links below. You won’t need to provide all the documents listed here — your home preservation specialist will let you know which ones may be required.
These documents help us understand your financial situation and the reasons for your hardship. Your home preservation specialist will let you know which documents will be required in your situation.
You may need to explain in a letter why you’re having trouble paying your mortgage. You may be asked to provide this information if you can’t pay your loan due to:
If you’re applying for mortgage assistance, use this document to provide details about yourself, co-borrowers, and the property.
Explains the reasons for your hardship and verifies information about you, co-borrowers, and the property. It also includes a form to list your expenses and debt.
These documents tell us about your income sources. You won’t need to provide all of them — your home preservation specialist will let you know which ones are needed in your situation.
You may also be asked to provide copies of recent federal income tax returns (IRS 1040) or tax transcripts.
You may need to provide federal income tax returns (IRS Form 1040) and accompanying schedules and forms to verify your income from a variety of sources, including employment income, business expenses, and investment and retirement income, among others.
You may need to provide these forms to give Wells Fargo permission to request your tax return information, and to allow us to obtain, use, and share this information. It also authorizes the Internal Revenue Service (IRS) to provide a copy of a previously filed tax return.
You may be asked to sign, date, and return these forms, which give us permission to verify the income you reported to the IRS in prior years.
Your W-2 verifies wages paid and taxes withheld by your employer for the previous calendar year.
You may be asked to provide a W-2 from the most recent year to verify monthly income. In some cases, you also may be asked to provide a previous year’s W-2.
A W-8 is an Internal Revenue Service (IRS) form that verifies you are a nonresident alien who is exempt from certain withholding taxes on corporate dividends.
You may be asked to provide form W-8BEN (Certificate of Foreign Status of Beneficial Owner for the United States Tax Withholding) as part of the homeowner assistance process.
You may need to submit bank and tax statements to show self-employment income.
You’ll need to verify self-employment or independent-contractor income by providing your tax returns, a detailed financial statement, balance sheet, and up to 1 year’s worth of profit-and-loss statements. These documents cannot be prepared by an immediate relative, and may need to be prepared by a certified public accountant.
A copy of a recent business license or other proof that a business exists may also be required.
You may be asked to send us a copy of any new pay stubs you receive while your application is being processed so that we have the most up-to-date information. We will tell you how many pay stubs are needed to confirm your income and if IRS W-2 forms or other documentation also are required. We may also ask for IRS W-2 forms from the previous 2 years.
A rental or lease contract provides information about the payment and terms for renting a property. You may need to submit bank statements or tax returns to show any income you receive from a rental property if the income is used to qualify for a loan.
Canceled checks are checks that have been paid by the bank they are drawn on. After the money is deducted from your checking account, the bank will cancel the check, so it can no longer be used.
You may need to send copies of canceled checks to show expenses you have paid, such as divorce settlement, child support, or other required expenses. You may also be asked to obtain copies of canceled checks from other people that show how much they paid to you for these expenses.
You may need to provide bank or tax statements to show any child support payments, which are court-ordered payments you receive to support your minor child or children due to a separation or divorce.
You may be asked to provide this information as part of the income verification process. Acceptable proof of these payments include:
You may need to provide a letter from anyone living in your home to show the person’s contribution to its maintenance. This letter verifies how much someone living in your home is contributing to its upkeep, even if the person isn’t a named borrower on the mortgage.
Your home preservation specialist will tell you which form you need to complete for the type of loan you have.
If your loan is backed by the Federal Housing Administration (FHA) or the Veterans Administration (VA), use this form to submit your information.
If your loan is backed a government-sponsored enterprise loan (GSE), use this form to submit your information.
Non-government-backed loans If your loan is backed by a private investor, use this form to submit your information.A foster care contract spells out the obligations of an institution, group home, or a state-certified person caring for a minor who has been made a ward of the state. This contract also specifies the amount of money the government will provide to the foster parent for the minor’s care.
You may need to verify financial arrangements for foster care with this document.
To verify this income, you may be asked to provide a letter from the agency administering the program and provide proof of a two-year work history with a prior or current agency.
Gifts are money given to you that doesn’t need to be repaid. You may need to explain in a letter the source of funds you receive as gifts.
If you’re receiving gift funds to make a purchase, we will need to verify the funds are coming from an appropriate source — such as a relative, fiancé or fiancée, or a domestic partner — and in an appropriate manner.
The conservator agreement is a written document that describes your legal responsibilities for handling the affairs of another person who is unable to act on their own behalf. You may need to provide this agreement to show you have the legal authority to act on someone else’s behalf.
You may be asked to provide legal documents verifying you have the authority to act on another’s behalf if you are:
Documents requested may include court documents that verify either durable power of attorney or legal authority to act as a conservator or guardian.
These documents help verify your assets and liabilities and give us insights into your financial situation. You won’t need to provide all the documents listed here — your home preservation specialist will let you know which ones are required in your situation.
You may need to provide personal banking and brokerage statements to show details of activity in accounts, such as checking, savings, retirement, or those holding stocks, bonds, or other investments.
You may have to show statements for your checking and savings accounts or other assets (brokerage, retirement, etc.) to verify:
Generally, you’ll need to provide the most recent 2 — 3 months of statements. Sometimes, you might be asked to provide the last 12 — 24 months, if you’re using statements to verify income, for instance.
A bill of sale is a document that details the transfer of personal property from a seller to a buyer. You may need to provide this document to show the sales price for personal property other than real estate.
Asset already soldThe appraised value should be made by a qualified appraiser with no financial interest in the transaction.
This is a legal document certifying the termination of a marriage. You may need to submit this document to show your obligations under your divorce agreement for paying mortgages and other debts, along with various income agreements.
You may be asked to provide this information as part of the homeowner assistance process.
Submit this statement to show how much principal, interest, and miscellaneous fees are needed to pay off your outstanding loans.
This document from your county assessor shows tax charges, exemptions, abatements, and any tax credits you have on your property.
You may be asked to provide a property tax statement assessment, certificate, or bill, as well as verification of any homeowners association fees or special assessments, for all properties owned.
Also called real estate schedule, real property schedule, or real estate owned (REO), this form verifies any properties you own, including income and expenses from each.
Owned properties include your primary residence, second home(s), rental properties, and land. You may be asked to provide supporting documentation to verify:
The separation agreement verifies the legal separation, divorce, end of a civil union, or registered domestic partnership.
When no legal separation agreement exists, a letter from an attorney signed by both parties, or a letter from both parties specifying the proposed settlement terms also may be provided.
A trust agreement allows you to transfer assets to another person. You may need to provide this document as proof of a trust’s assets that can be used to make mortgage payments.
If a trust account, living (inter-vivos) trust, or land trust (Illinois only) is being used in a loan transaction, you may be asked to provide legal documents to verify assets, income, or title to the property, including:
Note: The term of the trust agreement will last at least as long as the term of the security instrument.
These documents allow you to verify your identity and give permission for certain actions. You won’t need to provide all the documents listed here — your home preservation specialist will let you know which ones are required in your situation.
If you’re an attorney, you may use this form to provide permission and inform us about how we can communicate with your client(s) during bankruptcy, mediation, or litigation proceedings.
This form can also be used if you don’t wish for us to communicate with your client(s), or if you no longer represent certain clients.
Bankruptcy
If you’re an attorney, you may use this form to tell us how we can communicate with your client(s) during the home preservation process if you are representing them during a bankruptcy.
If you’re an attorney, use this form to tell us how we can communicate with your client during the home preservation process if you are representing them during mediation or litigation.
Authorizes us to verify any information in your application through public, private, and government sources.
Use this form to certify that all of the information you’ve provided on your application is true and correct.
You may be asked to sign this form to certify that all of the information you've provided on your application is true and complete.
You may be asked to complete this form during the homeowner assistance process. Once a loan modification is approved, advances on your home equity account will no longer be permitted. This form gives us permission to restrict access.
Use this form when you want to include the income of a person who is not a borrower on the mortgage note (a non-borrower) and who currently lives in your home with you in your request for payment assistance.
Use this form when you want to acknowledge and agree to permit a successor in interest to assume liability for the mortgage note as part of a request for payment assistance. This will not release you from liability on the mortgage note.
You may need to provide an unexpired government-issued ID number to verify your identity on a loan application. Some examples include:
For certain loan programs, or when additional verification is required, you may need to provide a passport, a driver’s license, or other government-issued photo ID to verify your identity.
This document may be requested when a person is legally unable to make decisions, attend a meeting, or sign documents. When a transaction is handled by someone other than the person named on the documents, verification of POA is required. You may need to complete this form to authorize someone to act on your behalf in private affairs, business, or other legal matters with a POA.
The Power of Attorney Submission Cover Sheet and notarized Affidavit, along with the additional documentation listed in the PDF form below, are required to add a POA during the homeowner assistance process.
If a POA is being used in a transaction, you may be asked to provide court documents or a letter from a medical professional to verify level of authority or incapacitation, in addition to providing the POA document.
You may be asked to provide proof-of-occupancy documents during the homeowner assistance process to prove you’re living in your home and to verify your name and address. Documents include:
Complete this form to authorize us to speak with others—including a real estate agent—about your loan application and your personal information related to the loan application.
Before signing this form, you should:All of the documents that might be needed during the homeowner assistance application process are provided here. You won’t need to send all of them — your home preservation specialist will let you know which ones are required in your situation.
You may also be asked to provide copies of recent federal income tax returns (IRS 1040) or tax transcripts.
If you’re an attorney, you may use this form to provide permission and inform us about how we can communicate with your client(s) during bankruptcy, mediation, or litigation proceedings.
This form can also be used if you don’t wish for us to communicate with your client(s), or if you no longer represent certain clients.
Bankruptcy
If you’re an attorney, you may use this form to tell us how we can communicate with your client(s) during the home preservation process if you are representing them during a bankruptcy.
If you’re an attorney, use this form to tell us how we can communicate with your client during the home preservation process if you are representing them during mediation or litigation.
You may need to provide personal banking and brokerage statements to show details of activity in accounts, such as checking, savings, retirement, or those holding stocks, bonds, or other investments.
You may have to show statements for your checking and savings accounts or other assets (brokerage, retirement, etc.) to verify:
Generally, you’ll need to provide the most recent 2 — 3 months of statements. Sometimes, you might be asked to provide the last 12 — 24 months, if you’re using statements to verify income, for instance.
A bill of sale is a document that details the transfer of personal property from a seller to a buyer. You may need to provide this document to show the sales price for personal property other than real estate.
Asset already soldThe appraised value should be made by a qualified appraiser with no financial interest in the transaction.
Authorizes us to verify any information in your application through public, private, and government sources.
Use this form to certify that all of the information you’ve provided on your application is true and correct.
You may be asked to sign this form to certify that all of the information you've provided on your application is true and complete.
Canceled checks are checks that have been paid by the bank they are drawn on. After the money is deducted from your checking account, the bank will cancel the check, so it can no longer be used.
You may need to send copies of canceled checks to show expenses you have paid, such as divorce settlement, child support, or other required expenses. You may also be asked to obtain copies of canceled checks from other people that show how much they paid to you for these expenses.
You may need to provide bank or tax statements to show any child support payments, which are court-ordered payments you receive to support your minor child or children due to a separation or divorce.
You may be asked to provide this information as part of the income verification process. Acceptable proof of these payments include:
You may need to provide a letter from anyone living in your home to show the person’s contribution to its maintenance. This letter verifies how much someone living in your home is contributing to its upkeep, even if the person isn’t a named borrower on the mortgage.
Your home preservation specialist will tell you which form you need to complete for the type of loan you have.
If your loan is backed by the Federal Housing Administration (FHA) or the Veterans Administration (VA), use this form to submit your information.
If your loan is backed a government-sponsored enterprise loan (GSE), use this form to submit your information.