On the Home Save submission section is doesn't list tax returns are needed to get the process started........
If you are waiting on check stubs............you may want to contact NACA directly to see what you would need to do in that case.............
You can either use the online chat feature when available at the top of the NACA website.........
or
1-888-404-6222
homesave@naca.com
This is what is required to begin the process:
To achieve an affordable solution you need to provide the following documents either electronically or provided directly to your Mortgage Consultant.
a) Pay Stubs (most recent available 30 days)
b) Monthly Mortgage Statement (most recent available)
c) Property Tax Bill if not part of your mortgage payment (most recent available)
d) Homeowners Insurance Bill if not part of your mortgage payment (most recent available)
The following documents would be helpful in further assisting you. You should submit them if possible
a) Bank Statements (last available two months)
b) Mortgage Documents (current mortgage) – HUD1/Settlement Statement & Note (if not sure bring all documents from the closing)
https://www.naca.com/refinance/refinanceTenStep.jsp