Conventional Submission Review Checklist
ALL LOANS CONVENTIONAL PURCHASE CONVENTIONAL REFINANCE JUMBO PURCHASE
JUMBO REFINANCE FNMA HOME AFFORDABLE GOVERNMENT CHECKLIST
III. Forms and Disclosures 1 of 2 Document #3204
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Flagstar's Underwriting Submission Review process allows our customers the ability to reduce the number of
file conditions, resulting in more accurate approvals and denials. The initial submission to underwriting should
include the documentation listed in the All Loans section along with those listed in the specific loan type
section. Failure to submit all required documentation will result in the loan being placed in a Submission Hold
status.
Direct any questions to the Underwriting Support Desk by calling (866) 945-9872, option #1. All issues will be
resolved within eight business hours.
ALL LOANS
Initial 1003 fully completed (HMDA GMI, NMLS, employment and income, etc.) with all pages and date
Borrower’s Certification/Authorization form signed and dated by all borrowers
Credit Score Disclosure, Doc. #3251 or equivalent for all borrowers including credit score, source, date, score
range, percentage, key factors and contact information for at least one of the three credit reporting agencies. For
borrowers without a credit score, No Credit Score Disclosure, Doc. #3252 or equivalent.
Fully completed 4506-T signed and dated by all borrowers with the applicable box checked
Notice to the Home Loan Applicant, Doc. #3249 or equivalent for all borrowers
Patriot Act Information Disclosure, Doc. #3243 or equivalent, completed and signed for all borrowers
Notice to Borrower of Property in a Special Flood Area, Doc. #3214 fully completed, signed and dated by a
borrower (only required if property is in a flood zone)
ARM Disclosure (ARM products only) or equivalent, fully completed. Reference the product description specific
disclosure required.
Homeownership Counseling Disclosure containing a minimum of 10 counseling agencies
Notice of Intent to Proceed signed and dated by a borrower (Broker Loans Only)
CONVENTIONAL PURCHASE
Paystub dated within 30 days of 1003 for all working borrowers
Credit report associated with Loantrac
1-year tax return for self-employed borrowers. Additional years may be required per the AUS findings.
AUS Findings (not required for Home Affordable & Relief Refinance products)
Bank statement or 30-day banking transaction history
Purchase Agreement (not required on TBD properties)
