Removal of conditions

[JJ:( 0]

RFE: after 7 months of waiting for a letter today asking for tons of stuff most of which I had already included prior. I can't get chase to add him to the deed because it will be like creating a new mortgage.

They're asking for

1: A will, A trust or durable power of attorney for health care

2: more affidvits

3: joint checking showing withdrawal or deposits ( original was just a letter from the bank stating we had created an account 3 yrs ago)

4: insurance policy listing each other as beneficiary (hes on mine cause he didn't have)

5: joint federal tax( did include last year as he wasn't working prior)

6: joint utility (I did even our hoint mobile plan)

7: joint credit cards

8: joint loans (dont have any loans)

Don I need all or just some of those?

[Cheezees 1,514]

Could you let us know what you originally sent? We'd be better able to suggest what you can submit/resubmit.

[JJ:( 0]

hi here's what I sent in:

1. Copy of resident card and copy of his passport.

2. Marriage certificate

3. 2012 & 2013 tax return transcript

4. A beneficiary and retirement plan from me showing him add the beneficiary.

5. A wells Fargo 401K showing him add the beneficiary.

6. A joint summary statement from our back( they said it doesn't show active use by both parties)

7. A Sprint plan showing we're under the same family plan ( they said it only shows me as the account holder and needs to be joint ownership)

8. Health insurance plan with him being covered under it.

9. Joint utility bill

10. A HRA account showing his home address but in his name only.

11. Two affidivates (wasnt notarized)

12. Photos with friends and fAmily.

[Cheezees 1,514]

Thank for the info.

1. Only a copy of the back and front of the green card is need. Do not include the passport.

2. Not needed. Do not include it.

3. Good. Make sure they are transcripts and not tax returns. They can be ordered for free from the IRS (irs.gov).

4. Good.

5. Good.

6. Since you received an RFE, I would send monthly statements from the bank over the past 2 years. Did you really just send 1 statement?

7. If he cannot be added to the account, then omit it.

8. Good.

9. Include copies of bills for the past 2 years, not just 1 bill.

10. OK

11. Affidavits - make sure these are signed/stamped by a notary. Otherwise, they are just signed letters.

12. OK

What about...

13. Joint mortgage/Joint lease

14. Copies of car insurance

15. Car loan statements

16. Boarding passes and itineraries

17. Copies of homeowners insurance

18. Will/trust/power of attorney - get one now, they are one of the best pieces of evidence

19. Car loan statements

Good luck!

[JJ:( 0]

THANK YOU!

We dont have any loans at all.

Cant add him to to deed or homeowner's insurance since he is now trying to build his credit and chase said they would have to do over the entire mortgage.

Im a tad confused by the tax part: I sent in tax return transcript. Today I printed tax record of accounts also. Which one do I really need?

I've printed detailed bank statement showing his and mine direct deposits and co mingling.

I was added to his credit cards, have the print out for those (at the time he didn't have a credit card) and I've added him to mine also.

Is it necessary to get a will or a durable power of attorney? Please explain that one for me.

The people that did the intial affidavits re did it leaving the original date but have gotten sealed and stamped notary.

We havent travelled because finances were tight for us and it took him a while to get a job so no boarding passes.

[Ms Hogan 295]

I am not able to be on the mortgage either BUT I am definitely listed on the home owners insurance. Maybe try that again? I found insurance items to be the easiest pieces to have both of our names show up on.

[JJ:( 0]

I will call my agent cause the bank pays the home owners insurance.

[Pinkrlion 2,607]

The same thing here, he is not listed on home loan, but he is listed on the deed, and the home owner's insurance. You have to talk to your home lender about what they accept on the deed and the home owner's insurance. My name on the home owner's insurance lists both maiden and married last name.