Intake form (please verify that your information is accurate)

Document lists your personal information, such as name, address, birth date, etc. that you entered into the online application.

Third-party authorization form (all applicants - sign and date)

Document gives OHSI permission to share, release, discuss, and otherwise provide your personal information contained in or related to your mortgage loan to a third party.

Hardship affidavit (sign and date)

Document will let you verify that you have had a financial hardship, have recovered and are now able to pay your monthly mortgage payment if brought current.

Copy of photo identification (text and photo must be clear and legible)

Accetable forms of photo identification include: a State of Oregon driver's license, State of Oregon ID card, Military ID, Passport or other government issued photo identification.

Unacceptable forms of photo identification include: Costco membership card, employer ID card, school ID card, bank ID card, or other non-government issued photo identification.

The promissory note lists the mortgage company, individuals on the mortgage company account and the amount of the loan. The promissory note is the contract that sets the terms of the loan and names of the parties responsible for repayment of the loan. The deed of trust lists all individuals who are on the title of the property. The promissory note is preferred since all individuals responsible for the loan are listed which is not always the case for the deed of trust.

Unacceptable: warranty deed(view example PDF), bargain deed (view example PDF), quit claim deed (view example PDF).

Statement from your County that lists the value of your home and the amount of property taxes you will pay in the coming year. A copy of an online property tax assessment is acceptable.

Statement your mortgage company sends monthly that lists the amount of your monthly home loan payment. A copy of an online mortgage statement is acceptable. Be sure the statement includes: monthly payment amount, full name, property address, loan number and servicer name.

Paystubs - covering the previous 2 months (60 days)

Must cover income earned and received in the past 2 months. If multiple jobs, please include hire dates to correctly determine year-to-date.

Provide the number of paychecks or paystubs based on the number of pay periods in each month.

• Monthly (12 pay periods/paychecks per year) – two (2) most recent continuous months of paystubs
• Bi-monthly,  paid two times per month (24 pay periods/paychecks per year) – four (4) paystubs
• Paid every two weeks (26 pay periods/paychecks per year) – requires five (5) paystubs
• Paid weekly (52 pay periods/checks per year) – nine (9) paystub

IMPORTANT: If you did not file income tax you will need to provide a statement saying you did not file.

Please note that unemployment benefits will not be accepted as part of income.

Your federal tax returns may include one or more of the following schedules:

1. 1. Schedule C (view example PDF) - Sole Proprietor or This (view example PDF)
2. 2. Schedule E (view example PDF)- Rent or Royalty Income
3. 3. Schedule F (view example PDF) - Farm Income
4. 4. Schedule 1065 (view example PDF) & K-1 (view example PDF) - Partnership
5. 5. Schedule 1120 (view example PDF) or 1120s (view example PDF) & K-1 (view example PDF) - Corporation or S Corporation

2012 year-to-date profit & loss statement (P&L) - prepared by licensed tax preparer

Can be completed by a Professional Accountant or CPA licensed with the Board of Accountancy.

IMPORTANT: If you did not file income tax you will need to provide a statement saying you did not file.

Social Security benefits award letter or benefit statement listing the monthly amount you are receiving from the Social Security Administration.

You can request a Proof of Income Letter from the Social Security Administration by calling 1-800-772-1213 between 7 am - 7 pm, Monday through Friday, or online at http://www.ssa.gov or by going to your local Social Security office.

Disability benefits statement

Statement listing the monthly amount you are receiving from the Social Security Administration, Veteran Administration or private insurance for being on disability. You can request a Proof of Income Letter from the Social Security Administration by calling 1-800-772-1213 between 7 am - 7 pm, Monday through Friday, or online at http://www.ssa.gov or going to your local Social Security office. You can request a Proof of Income from the Veteran Administration by calling 1-800-827-1000 or by going to your local Veterans Administration office. If you are receiving benefits through private insurance contact your individual company.

Pension benefits statement

Statement listing the monthly amount you are receiving from any pension or retirement fund(s) associated with a job you previously held. If you are receiving a pension from the Veterans Administration you can request a Proof of Income from the Veteran Administration by calling 1-800-827-1000 or by going to your local Veterans Administration office.

Divorce decree for alimony or child support

Document that lists the amount you are receiving monthly for alimony, child support or both. You must complete and file the decree.

Trust income benefit statement

Statement that lists the annual or monthly amount you are receiving from a trust set up on you behalf.

Foster care income - contract

Signed contract with the State of Oregon, Department of Human Services, Child, Adult and Families Services Division stating the monthly amount you are receiving for any child that is in your care as part of the foster care program.

Roommate rent - rental agreement

Signed contract with tenant stating the amount they are paying in rent to you. If you do not have a formal agreement you will need to provide a statement saying you are receiving rent and the monthly amount you are receiving or copies of canceled checks from the previous 12 months.