• Ask your client.  Its always best to ask for that along with the bank statements and taxes upon your intake.  They will ALWAYS be needed. If they for any reason dont have one of these a letter stating such and why signed and dated usually works.  Good luck!

  • Ask the borrower to provide a copy. These are items the borrower should be providing as part of their short sale package. If it doesn't exist then you'd write a LOE regarding this.

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