Underwriting File Submission Checklist
For Non-Delegated Agency & Non-Agency
Complete the information below and submit with credit packages sent to Chase Underwriting.
See last page for delivery instructions.
Please complete this section in full to ensure proper receipt of Chase Underwriting notifications.
Correspondent Underwriting Contact Person:
(person to be contacted by Chase regarding underwriting questions;Chase does not maintain
loan-level contact information for Underwriters)
Correspondent Underwriting Contact Phone #:
Correspondent Underwriting Contact Fax:
Correspondent Underwriting Contact Email:
Chase Loan #
Application Date
(as defined by the date you, the Correspondent, took the loan application based on regulatory
requirements and internal requirments for GFE disclosure)
Use the checklist below to ensure the appropriate documentation is included in credit package.
Required Loan Documents – Check the Appropriate Box by Documents Submitted
Category
1003
Documentation
Agency
NonAgency
1003 – Initial, fully completed
Appraisal Image - Complete Appraisal with legible photographs and
required addendums
Appraisal
Appraisal Data Upload in acceptable format (AI Ready™ XML, MISMO
XML, 1st Generation PDF, or Pre-Delivery Order #)
Appraiser’s License
401k Statements
Annuity Statements
Assets
Note: Provide
documentation to verify that
the borrower has sufficient
funds to close and meet the
required reserve
requirements for the loan
using one or more of these
documents
Bank Statements

Follow AUS for Agency

Most recent consecutive 2 months for Non-Agency
Down Payment Verification
Gift Letters
IRA Statements
Secondary Mortgage Financing
Source of Funds for Large Deposits greater than 50% of total qualifying
monthly income. When large deposits are not needed for cash to close or
reserves borrower must provide written explanation indicating the source
of the funds and the reason why the funds cannot be documented.
Verifications of Deposit (VOD)
DU Findings Report, Underwriting Analysis, Credit Summary, and DUgenerated Credit Report
AU Findings
(DU or LP)
LP Feedback Certificate and three in-file merged credit report
Documentation required to clear all conditions on the Findings
Report/Feedback Certificate
Credit report
Cancelled Checks
Credit Report and
Liabilities
Note: Provide all that
apply.
Credit Supplements
Divorce Decree
Explanation of Inquiries Letter
Verification of Mortgage (VOM)
Verification of Rent (VOR)
Written explanation of derogatory credit from borrower
Required Federal and State Disclosures
Disclosures
Good Faith Estimate (GFE)
Initial Truth in Lending (TIL)
1008/1077 and Final DU or LP findings
Underwriting Worksheets
1008/1077
Underwriting File Submission Checklist for Non-Delegaged Agency and Non-Agency (05-19-14)
Page 1 of 2
Underwriting File Submission Checklist
For Non-Delegated Agency & Non-Agency
Category
Documentation
ChaseLoanManager
Confirmation Report
Includes Chase loan number and Product Type
Condominium/
Co-op/attached PUD
Chase Condo, Co-op or attached PUD Approval provided by Chase
Project Approval Group
Agency
NonAgency
Certificate of Occupancy
New Construction
Appraiser’s Certificate of Completion
Construction Contract or Cost Breakdown
HUD-1 from purchase of land (two-time close)
Construction / Permanent
Documentation of cost of the lot and improvements (single close)
Refinance
Prior sale HUD-1 settlement statement (if less than 6 months)
Income
(Salaried Income)
W-2(s)

Follow AUS for Agency)

Most recent consecutive 2 years for Non-Agency
Note: Provide all that
apply.
Paystubs (year to date and including 30 days of income)
Verbal (or Written) Verification of Employment (VOE)
1040  2 years with all schedules and forms
1120/1065  2 years for all entities borrowers owns 25% or more of the
entity
1099
Award Letters
Income
(Self-Employed Income
and Other Income)
Contracts
K-1s (all listed on Schedule E)
Lease Agreements
Note: Provide all that
apply.
Employment Contract
Paystubs (year to date and including 30 days of income)
Pension
Profit and Loss
Social Security Income
Trust Agreements
Tax Transcripts
Tax Transcripts  corresponding Tax Transcript is required for each W2
or tax return in file for all borrowers
Purchase Agreements,
Sales Contracts, and
Addendums (including
Escrow Agreement)
Fully executed agreement of sale and appropriate addendums (if
applicable)
Title Insurance
Commitment
Title Insurance Commitment or Policy
Delivery of Non-Delegated Credit Packages Only
Follow the guidance below to ensure timely receipt of all credit packages delivered to Chase.
IF delivering via...
ChaseLoanManager
Imaged Document
Delivery Functionality
FTP/Connectivity Services
Imaged Document
Delivery
Mail or Overnight (Hard
Copy Documents)
THEN...
 upload credit-only packages for underwriting review to the
Credit Pkge Only Package Type
 upload appraisal data to:
o Appraisal Data/1st Gen Package Type for AI Ready™ XML,
MISMO XML, 1st Generation PDF, or
o Appraisal Pre-Delivery Order # for appraisals pre-delivered through FNC
include “_credit” at the end of the filename (before the .pdf, .tif, or .zip extension), for
example:
o ccode_0000_mmddyyyy_borrowerlastname_credit.pdf
o ccode_0000_mmddyyyy_borrowerlastname_credit.tif
o ccode_0000_mmddyyyy_borrowerlastname_credit.zip
Address and ship the credit package to:
Chase Record Center
RE: Correspondent Files
Mail Code LA4-4774
700 Kansas Lane
Monroe, LA 71203
Underwriting File Submission Checklist for Non-Delegaged Agency and Non-Agency (05-19-14)
Page 2 of 2