Question about documents needed for conventional mortgage

[Shuwei Wang]

It's my husband and my first time buying rental property. We are under contract for a duplex right now and our income can easily qualify a conventional mortgage. I did not know that when I was young my mom bought property with cash and my name is on this property X. Only until the lender started questioning me about it.

Fast forward now my lender/loan processor is asking me to provide proof for tax bill receipt and home insurance info for the property. Now here's the catch, my mom does not believe in insurance so there is no insurance info for this property. Would this affect mortgage get approved? I can try to find the property tax receipt but not sure about the insurance part they want proof for. We are both high income earners and this is something we can easily afford.