Documentation

Government issued picture ID for all borrowers.
Pay Stubs for all borrowers covering the most recent 30 days.
W2s for the past 2 years.
Tax Returns for past 2 years. Note: these are only required if you receive commission income or own rental or other real estate.
Bank Statements covering the last 2 months.
401K/IRA most recent quarterly statement.
Letter of explanation for all derogatory credit (example here).
Letter of explanation for all recent credit inquiries (example here).

Government issued picture ID for all borrowers.
Tax Returns for past 2 years. Include all pages, schedules and K-1s if applicable.
Bank Statements covering the last 2 months.
401K/IRA most recent quarterly statement.
Letter of explanation for all derogatory credit (example here).
Letter of explanation for all recent credit inquiries (example here).

"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A

RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A

COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE

LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT

FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S

WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS

AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF

CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS

CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A

WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND

MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE

PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND,

PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."