HUD-50128 Underwriting Submission Checklist - "Streamline" Refinan

UNDERWRITING SUBMISSION CHECKLIST- “Streamline” Refinances – with or without an Appraisal

QUALIFYING CREDIT OR NON-QUALIFYING CREDIT

BORROWER(S): ____________________________________ Case #________________

ITEM	INCLUDED
Lender Submission Contact Sheet
Firm Commitment Submission Checklist
Case Number Request Form
Mortgage Credit Analysis Worksheet
Maximum Mortgage Worksheet for Refinances
Good Faith Estimate (Original and all re-disclosures)
Uniform Residential Loan Application/Addendum A (initial signed)
Uniform Residential Loan Application/Addendum A (final/unsigned)
Land Status and Jurisdiction Form
Evidence of Current Mortgage Guaranteed under Section 184 Program and Case Number
Verification of Mortgage(s) or Mortgage only credit report showing payment history
Payoff Statement(s)
Subordination / Tribal Agreement
Appraisal Report (URAR Form 92800) (with Appraisal)
Final Inspection (if required by appraiser)
Evidence of Native American Enrollment and Social Security Number
Credit Report (Credit Qualifying)
Letters of Explanation on Derogatory Credit (Credit Qualifying)
Verification of Employment, Pay Stubs, W-2 Forms/ 1009 Forms (VOE only for Non-Credit Qualifying)
Federal Income Tax Returns with all schedules (if applicable)
IRS Tax Transcripts for 2 years
Form 4506-T Request for Transcript of Tax Return
Verification of Deposit / Bank Statements (if cash to close exceeds $1,000)
CAIVRS
LDP/GSA – EPLS (print outs for all parties)
Flood Certificate
Termite Inspection Report (if required by appraiser)
Well & Septic Inspection (if required by appraiser)
Homeowners Insurance Certificate
Preliminary HUD-1 with all lender and closing agent costs
FEE SIMPLE LAND
Preliminary Title Report
TRIBAL TRUST LAND
Current Title Status Report (with recorded lease) and Lessor Approval to Refinance
Leasehold Instrument (with all signatures as required)
INDIVIDUAL ALLOTTED TRUST LAND (No Lease)
Current Title Status Report (including consent to mortgage from all owners if fractionated)

HUD-50128 (09/2012)