The Refinance Process

Refinance Your Mortgage

Low rates, cashing out equity or paying for a remodeling dream – all good reasons to consider refinancing your mortgage! Get the process started by contacting one of our experienced mortgage consultants.

Mortgage Refinancing Checklist

To help you get your mortgage approval as quickly as possible, you’ll need to gather the following documents to complete your mortgage application:

  • Copy of your homeowner's insurance declarations page and a copy of the title work from your current home
  • Paycheck stubs for the most recent 30-day period or a signed 30-day printout from your employer(s)
  • Current Proof of Income letter from the Social Security Administration if applicable (If you do not have a recent letter, you can request one online by visiting Social Security Online Services or by contacting your local Social Security Office)
  • W-2's and 1099's from all employers for the past 2 years (including unemployment compensation if applicable)
  • If you are self-employed, commissioned, a driver, in sales or have rental property, you must provide complete tax returns for the past 2 years and a year-to-date profit & loss statement
  • Copy of valid driver's licenses or state ID cards for all borrowers
  • Divorce/Child Support papers and one-year Friend of the Court payment history
  • Account numbers, balances and payment amounts for all open debt
  • Copy of two months bank statements or a 90-day printout that is stamped and signed by the bank(s)
  • Copy of the most recent statement for any asset accounts you have (401k, IRA, life insurance, etc.)
  • VA Mortgages require your DD214 and Certificate of Eligibility
  • Bankruptcy paperwork (all schedules and addendums) and Discharge Notice
  • Application fee as specified by your mortgage consultant

These items are a guideline to what you will likely need during the refinance stage. You may be asked to gather additional paperwork or different documentation.