HomeStyle® document checklist: income, assets, contractor bids, licensing, insurance, and rehab scope for after-improved underwriting.
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Expect a standard conventional income and asset package plus renovation extras: contractor bids, licensing, insurance, and a scope that supports the after-improved appraisal. Having the rehab stack ready is what separates a fast HomeStyle close from a stalled one.
Four buckets every HomeStyle file usually covers.
HomeStyle is not a standard purchase with a vague remodel wish list. Underwriters and appraisers need line-item bids that match the financed scope — so escrow draws have a clear pay schedule and after-improved value has market support.
Missing insurance certificates, unsigned bids, or DIY scopes without a licensed contractor are the most common document delays after credit is already approved.
Ryan and Steve send a tailored checklist for purchase vs refinance and primary vs investment so you upload once — not in three confusing rounds.
Related qualification and contractor guides.
Start pre-approval and Ryan & Steve will send a HomeStyle checklist tailored to purchase vs refinance and your occupancy type.
HomeStyle is a registered trademark of Fannie Mae. All loans are subject to credit and property approval. Program guidelines, LTV limits, and pricing are subject to change without notice and may not be available in all areas. This website is not affiliated with or endorsed by Fannie Mae, HUD, or any government agency. Information is for educational purposes only and is not a commitment to lend.