This article explains the documents that may be required during loan onboarding, servicing updates, or ownership verification. Please review each section carefully to understand what is needed and why it is required.
Table of Contents
- Property Deed
- Homeowner’s Insurance
- Property Tax Documents
- If There Are Two Homeowners
- Government ID + Selfie Verification
- Multiple Ownership Release Form
Property Deed
The property deed is the legal document that proves ownership of the property.
This document confirms:
- The legal owner(s) of the property
- The property address
- The legal description of the property
The deed must be fully executed and recorded. If there are multiple owners listed on the deed, additional documentation may be required (see sections below).
Homeowner’s Insurance
Homeowner’s insurance documentation verifies that the property is currently insured.
Typically, we require:
- A declarations page (Dec Page)
- Proof the policy is active
- Coverage limits
- The property address matching the deed
Active insurance coverage protects both the homeowner and the lender against potential property damage or loss.
Property Tax Documents
Property tax documents confirm the current tax status of the property.
Acceptable documents may include:
- Most recent property tax bill
- Proof of payment
- County tax assessment statement
These documents verify that taxes are current and provide confirmation of the property’s assessed value.
If There Are Two Homeowners
If the property has two owners listed on the deed, documentation is required for both individuals.
Even if only one owner is initiating the request, both owners may need to:
- Verify identity
- Acknowledge or consent to the transaction
This ensures proper authorization and protects all parties involved.
Government ID (Front & Back) + Selfie Verification
Each homeowner may be required to provide:
- A valid government-issued ID (front and back)
- this includes drivers license or passport.
- A clear selfie photograph for identity verification
The ID must be:
- Current and unexpired
- Clear and legible
- Fully visible (no cropped edges)
The selfie helps confirm that the person submitting documentation matches the government-issued identification.
Multiple Ownership Release Form
If there are multiple homeowners, the second owner may be required to complete a Multiple Ownership Release Form.
This form confirms:
- The second homeowner is aware of the request
- The second homeowner consents to the action being taken
- All listed owners agree to the terms outlined
The form must be completed and signed by the non-initiating homeowner before processing can continue.
If you have questions about any required documentation or are unsure whether your documents meet submission standards, please contact support before uploading.