My client is married and her mom is married.  When she moved to the area (MD), several years ago, she was the only one working and her mom co-signed with her to purchase a home.

Additional information - the mom is first on the loan and she doesn't live in the house.  She was laid off (but now employed again for a lot less).

I see the requirements that are needed for submission.  When gathering the information, I am assuming that I should be getting financials for both mom and daughter? 

Also, won't it get tricky, when the two husband's information also shows up...and the mom has a different address?

What would be the best way to present to gather the information?

Just trying to be proactive and prepared.

Thanks for your help!