Not sure if i'm posting in the right place or not. I'm filling out the MHA Refi package and have some questions in regards to the supporting documentation. Unfortunately, the supporting office for Chase isn't open on weekends. Would anyone happen to know the answer to some of these questions? Sorry if they seem a little triveal but I want to make sure I have all the correct information and documentation the first time around.
1. If my property taxes are part of my mortgage, how do I provide a recent property tax bill? Can I simply attach my mortgage statement?
2. I live in a Condo and part of my homeowners insurance (exterior coverage) is included in HOA. I do have property insurance (condo insurance). What sort of documentation would be best to attach for this?
3. I pay my HOA bill online through my BofA account. What can I use as proof of payment as I don't have canceled checks or HOA statements?
4. I own my car, how do I prove that and can I use the Kelley Blue Book value?
5. I currently work in a contract to hire position and will transitioning to be a fulltime employee on July 10. Should I state this?
6. On the assets page there are two columns Amount Owed & Value. Do I state the value of my home or leave that blank?
7. On the monthly expense form it asks for loans, credit cards etc. Do I put the minumum payment information or can I put what I actually pay if it's higher?
8. Is there a place where I can find a sample Hardship Affidavit?
My situation is not in position of hardship at the moment. I experienced the hardship last year with a 70% paycut and am trying to get back on my feet now but with my ARM coming due in August and no equitity I will mostly likely be in hardship once again if the mortgage payments increase too much.
Any feedback you can provide would be greatly appreciated.