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Mortgage Refinance Process Checklist

Mortgage Refinance Process Checklist

    You will likely have to provide extensive personal and financial documentation to refinance your mortgage.  Lenders typically request documents related to your employment and income, financial position and tax history.  This is so the lender can verify your income and assets and evaluate your credit-worthiness.  The documents requested may vary somewhat by lender but will likely include the items listed on the right.  Having these documents available and organized at the beginning of the refinancing process will make things go much smoother.  Reviewing your personal finances in advance of the refinancing process will help you identify and resolve potential issues such as missing documents or errors you may find.  This will help you avoid potential delays and ensure that your refinancing is processed as quickly as possible.

    The lender will also order your credit report as part of the refinancing application process.  You should review your credit score at the beginning of the refinancing process to make sure that there are no surprises when the lender does it.

Mortgage Refinance Application Document List
  • Pay stubs (two months)
  • W-2 (two years)
  • Tax returns (two years)
  • Bank statements (two months)
  • Investment account statements
  • IRA / 401K / pension statements
  • Homeowner’s insurance declaration
  • Most recent monthly mortgage statement
  • Most recent property tax bill
  • If property is owned in a trust, a copy of the trust
  • Current statements for outstanding debt such as credit card, auto and student loans
If you are self-employed:
  • Business license
  • Schedule C
  • Corporate tax returns
  • Partnership returns
If you own income producing real estate:
  • Schedule E
  • Leases
  • Schedule of real estate owned

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