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Credit Counseling Documentation

Shows that you’ve attended a program that teaches money management skills.

You may have to provide documents that show you completed consumer credit counseling if you: 

  • Are a first-time homebuyer helped by a counselor to prepare for homeownership
  • Have had problems managing your debts
  • Have current or past delinquent accounts

Documents you may have to provide

  • A copy of the counseling agreement
  • Proof that the counseling plan was completed
  • A copy of the consumer credit counseling payment history
  • A letter explaining the reason for entering into counseling
  • Written permission from the counseling agency to enter into the mortgage transaction

Tips for a smoother application process

  • Make sure documents are clear and legible.
  • Don't alter any pages (no strikethroughs, cross-outs, etc.).
  • Send all pages, even the blank ones.