Income, asset, ID, and credit docs plus Chenoa second-lien paperwork and education certificates when required. Get your checklist.
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Chenoa Fund
Documents Required
Plan on the same income, asset, and credit package as your FHA 203(b) first mortgage — plus Chenoa second-lien disclosures and a Homebuyer Education (HBE) certificate if all borrowers are first-time homebuyers.
Chenoa Fund does not invent a separate documentation universe. Underwriters still need to verify income, assets, credit, identity, and the property for your first mortgage — then layer the Chenoa second-mortgage package on top.
That means paystubs, W-2s or tax returns, bank statements, photo ID, and purchase-contract items should be ready from day one. Special situations (self-employed, gift funds, divorce, bankruptcy waiting periods) add the usual extras.
When education is required for your credit tier or first-time-buyer status, complete the approved course early and upload the certificate so clear-to-close is not waiting on a class.
Gather these before or immediately after you go under contract.
Common add-ons that show up on Chenoa + FHA files.
Related guides so your Chenoa file is complete the first time.
Start a Chenoa pre-approval with Ryan & Steve. We’ll send a personalized checklist based on W-2 vs. self-employed, gift funds, and your FHA 203(b) pairing.
Chenoa Fund is a registered trademark of CBC Mortgage Agency. All programs are subject to borrower qualification and lender approval. This website is not directly affiliated with or endorsed by HUD, FHA, or the CBC Mortgage Agency.