What Documents do I need for a Refinance Application?

Refinancing your mortgage requires a lot of the same documentation as your original home loan, but you also need to supply information on your existing loan. Below are the documents that you need to have when you’re ready to apply:

  Copy of current mortgage statement

  Estimate of your home value

  1 Month of most recent pay-stubs from all current employers

  2 years of most recent federal tax returns (all pages, all schedules)

  If self employed, 2 years most recent business returns (all schedules, K1’s 1099’s, etc.)

  2 years most recent W2’s

  Name, addresses, dates of employment and salary for all employers for the last 2 years

  Most recent 3 months’ bank statements (all pages for all accounts)

  Social Security/Pension/Disability Income (Award Letter)

  Home Owners Insurance (or Agent’s Name and Phone Number)

  Evidence of Alimony/Child Support (need not be revealed if you choose not to have it considered in qualifying)

  Driver’s License/Photo Identification