Document Guide

Below is a list of the documents you must provide to your housing counselor to be considered for financial assistance from Save the Dream Ohio. Click on the links below to learn more about each document, what it looks like, and how to find it. Download the complete document checklist.

Here's What Everyone Needs to Provide:


Document Name &
What It Looks Like

Instructions

Where To Find It

Printed Application
(click to view sample)
Include all pages and don't forget to sign and date the:
• Letter of Transmittal, if applicable (page 3)
• Hardship Affidavit (page 6)
• Application Terms and Conditions (pages 10-11)
• Third Party Authorization for Release of Information (page 12)
• 4506T and 4506EZ (pages 15-16)
– Download after you complete your online registration.
Most Recent Mortgage Statement
(click to view sample)
You may instead provide a mortgage coupon, reinstatement letter (sample), or other document listing your current mortgage payment, but the document must list your monthly principal and interest, and if applicable, taxes, and insurance. – Contact your mortgage servicer to request a paper bill or your foreclosure attorney for a reinstatement letter. You may also be able to download your statement from your servicer's website.
Most Recent Electric or
Natural Gas Bill
(click to view sample)
Your bill should show your name, address, and use of electricity or gas. Please include all pages of your bill, even blank ones. – Contact your utility company to request a paper bill or go to your utility company's website to download a copy.
Mortgage or Deed
(click to view sample)
Provide the first page or your mortgage with the full legal description (often labeled as "Exhibit A") or your deed with the full legal description. – Contact your County Recorder or visit the County Recorder's website.
Income Documentation You must provide at least 30 days of documentation for all sources of household income.  
– Employment
(click to view sample)
• 30 days of paystubs with year-to-date totals – Contact your employer's Human Resource department if you need to obtain additional copies of your paystubs.
– Self-Employment • 3 full months of personal and business bank statements (sample);
• Most recent Profit & Loss statement (sample) covering the same time period as your bank statements; and
• Last year's income tax return (sample) with all schedules
– If you do not have a copy of your most recently filed federal tax return, you may request one from the IRS. Learn how to get a copy.
– Unemployment Compensation
(click to view sample)
• Unemployment Compensation Claims Summary – Print from jfs.ohio.gov by logging in, clicking on "claim history," and "continued claim"
– Other public benefits such as SSI, disability, and worker's compensation
(click to view sample)
• Documentation showing the amount and frequency of the benefits, such as letters, exhibits, policy, or benefits statement from the provider – Contact your benefit provider.
– Rental Income
(click to view sample)
• Copy of the most recent filed federal tax return with all schedules; or
• If rental income is not reported on Schedule E, copy of current lease agreement
– If you do not have a copy of your most recently filed federal tax return, you may request one from the IRS. Learn how to get a copy.
– Investment Income
(click to view sample)
• Copies of the two most recent investment statements – Contact your investment management company to obtain a copy of your statement.
– Alimony, child support, or separation maintenance income
(click to view sample)
• Copy of divorce decree, separation agreement or other written legal agreement filed with a court, that states the amount you receive and the period of time over which the payments will be received. – If you do not have a copy of these legal documents, contact the county in which your divorce was filed or contact the attorney who represented you.
– No Income
(click to view sample)
• If your household has no income, check the box on the Hardship Affidavit, page 7.  

* Income documentation for wage earners in your household who are not in title, not on the note and mortgage, and not married to you need not be revealed if you do not choose to have it considered for repaying this loan.
** Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered for repaying this loan.

If Any of the Following Situations Apply to You, Also Provide:


Situation

Document Name &
What It Looks Like

Where To Find It

I owe my mortgage servicer more than $20,000 in back payments. • Homeowner Contribution Form (sample) – Page 14 of the application package.
I am in active foreclosure. • Copy of foreclosure notice, summary judgment, or notice of sheriff's sale, whichever is most recent (sample) – Click to download a list of how to obtain this information by county.
I pay my property taxes and insurance separately from my mortgage. • Copy of most recent property tax bill (sample); and
• Copy of homeowner's insurance statement with annual premium listed (sample)
– Click to download a list of how to obtain your property tax information by county.
– Contact your homeowner's insurance company for a copy of your insurance bill.
I have delinquent Homeowner's Association or Condo Fees. • Copy of most recent Homeowner Association or Condo Fee bill (sample) – Contact your homeowner's association for a copy of your most recent bill.
I have a second mortgage lien on my property. • Copy of most recent mortgage statement, coupon, or reinstatement letter with the monthly principal and interest listed (sample) – Contact your mortgage servicer to request a paper bill or reinstatement letter. You may also be able to download your statement from your servicer's website.
I have an additional subordinate mortgage lien on my property. • Copy of most recent mortgage statement, coupon, or reinstatement letter with the monthly principal and interest listed (sample) – Contact your mortgage servicer to request a paper bill or reinstatement letter. You may also be able to download your statement from your servicer's website.
I am seeking to exit my home through a short sale or deed in lieu of foreclosure agreement. • Copy of deed in lieu of foreclosure approval letter (sample); or
• Copy of short sale approval letter (sample); and, if applicable
• Copy of HUD 1 from sale or transfer of home (sample)
– If your mortgage servicer has made an offer to do a short sale or deed in lieu, you should have received an offer letter in the mail. Contact your mortgage servicer if you need a copy.
– Your HUD1 is part of the documents you signed when you closed on the sale of your home. Check your copy of your closing documents or contact the Title Agency that conducted the closing.
I am unemployed but did not work enough weeks to claim unemployment benefits. • Unemployment Compensation denial letter (sample) – Contact the Office of Unemployment Compensation at the Ohio Department of Job and Family Services.
I am working with an attorney and want to grant my attorney access to my application. • Legal Counsel Authorization, signed and dated (sample) – Page 17 of the application package.

After reviewing your file, depending on your situation, your housing counselor or underwriter may also ask you to provide:

  • Tax returns
  • Divorce decree
  • Bank statements
  • Quit-claim deed
  • Additional paystubs or other income documentation
  • Death certificate
  • Proof of receipt of payments
  • Power of attorney
  • Unemployment determination letter
  • Other documentation as necessary

Respond as quickly as possible to these requests to avoid further delay. Your application will become inactive if you fail to provide documents or respond to requests quickly!