Government Submission Review Checklist
All Loans FHA Purchase FHA Refinance FHA Streamline VA Purchase
VA Refinance VA IRRRL GRH Purchase GRH Refinance Conventional Checklist
III. Forms and Disclosures 1 of 4 Document #3205
Return to Top 01/15/2020
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
Patriot Act Information Disclosure, Doc. #3243 or equivalent, completed and signed for all borrowers
Notice to the Home Loan Applicant, Doc. #3249, or equivalent for 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.
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)
FHA PURCHASE
Paystub dated within 30 days of 1003 for all working borrowers
2 years tax returns for self-employed borrowers
Credit report associated with Loantrac
HUD/VA Addendum to Uniform Residential Loan Application, HUD-92900-A. Page 1, fully completed and page 2,
signed and dated in both places by all borrowers
Bank statement or 30-day banking transaction history
Important Notice to Homebuyers, HUD-92900-B, signed and dated by all borrowers
