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Documents Needed for Refinance

Closing the deal

Refinancing documents and paperwork

Get organized before you refinance

We’ll help you get your documents organized so your loan application goes as quickly and smoothly as possible. These documents will support the information you’ve provided in your refinance application. Let’s take a look at the types of documents your mortgage banker will be asking you to provide.

Paperwork needed to refinance

To verify the information you’ve given us in your loan application, we’ll ask you to provide a number of documents. Here’s an overview of the types of records we’ll be looking for.

Proof of your income
To prove your income, we'll ask for the following documents:

  • Pay stubs
    We’ll need pay stub copies for each applicant in the household.
  • W2 statements from the past two years
    Your employer provides them every year during tax season. You should be able to find copies attached to your tax returns. Or, if you filed taxes electronically, you or your tax preparer will have an electronic copy in your records.
  • Tax returns
    We’ll need copies of all the pages from your last two years’ tax returns and IRS Form 4506T. This will allow us to review the official IRS transcript of your tax returns.

Proof of your assets
To demonstrate your current assets, we'll ask for documents including:

  • Bank account statements from the last three months
  • Security accounts (stocks, bonds, life insurance)

You may not need to provide statements from every account, but you might want to provide information from as many accounts as you need to show that you qualify for the loan amount. Providing your bank statements will help us verify your assets and the cash you have on hand.

Proof of your debts
We’ll want to know about:

While you're busy gathering this information quickly, we'll do our best to help you keep your application on track and on time.

Other documentation
Finally, we'll need some basic background information. We'll ask you to provide information including:

  • Social Security number
  • A list of your addresses from the last two years
  • A diploma or transcript if you were a full-time student during the past two years

Refinance documentation checklist:

Here’s a full list of all of the documents you may be asked to provide for your mortgage loan application:

Proof of your income

  • Names and addresses of all employers for the last two consecutive years (including dates of employment and gross monthly income).
    Make sure to provide the complete name and mailing address. If you work for a large company that has different departments in different locations, you may want to call human resources and ask what address should be provided for employment verification.
  • W-2s for the last two years
    (And perhaps federal income tax returns from the past two years)
  • Pay stub(s) for the last 30 days

If you’re self-employed, you’ll need to submit:

  • Year-to-date profit and loss statement and balance sheet prepared and signed by you and your accountant
  • Signed tax returns for the last two reporting years (business and personal)
    Make sure signatures are original, not photocopies, and include all schedules

Additional income documents
You may be asked to provide any of the following types of documents to help show your income.

  • Social Security and disability payments
    A copy of the award letter must be provided along with a recent check stub or copy of a bank statement if deposited electronically through direct deposit.
  • Pension income
    You’ll need to provide a check stub and any forms showing duration of payments.
  • Dividends
    Brokerage statements for the last two years or previous two years’ income tax returns Schedule B-Interest and Dividend Income (most current statement to ensure underlying deposits still exist and are earning at the same level).
  • Child support*
    You’ll need to show proof of receipt, through a printout from the courts, of 12 months of canceled checks or tax returns. (Payments must have been received for at least 12 months on time and must be scheduled to continue, at minimum, another 36 months to count as qualifying income, depending on the product and program for which you’re applying.)
  • Alimony*
    You’ll need to provide a complete copy of your divorce or legal separation papers that document the alimony to be received. You’ll also need to show proof of receipt, through a printout from the courts, of 12 months of canceled checks or tax returns.
  • Bonuses
    This can be counted if the buyer has received a bonus for the past two years and expects bonus payments to continue.
  • Overtime
    If the buyer's employer will guarantee that overtime will continue, it may be included as an income source (two-year history required).

* Note:
You do not have to disclose alimony, child support or separate maintenance income unless you want it to be considered as a basis for repaying the obligation.

Proof of your assets
We’ll ask you to provide bank statements and/or passbooks for the last three months. These should include account names, addresses, account numbers and balances for any:

  • Checking accounts
  • Savings accounts
  • Credit unions
  • Mutual fund accounts
  • IRA, 401(k) accounts
  • Security accounts (stocks, bonds, life insurance)
  • Title of all cars you own (if less than five years old)

Proof of your debts
We’ll also ask for records for any current debts. Please provide the most recent statement or payment booklets for present creditors. These should include name of creditor, addresses, account number and balance for any:

  • Car loans
  • Outstanding student loans
  • Credit card accounts
  • Documents for current mortgage or home equity loan, that include the last 12 months' canceled mortgage checks, most recent statement and lender name address, account number and balance
  • Name and address of present landlord, along with last 12 months’ canceled rent checks
  • A complete copy of divorce decree or separation agreement to document alimony or child support
  • A copy of bankruptcy proceedings, including Petition for Bankruptcy (debtor's petition), Schedule of Bankruptcy (list of creditors) and Discharge of Bankruptcy. An explanation letter should also accompany these documents.
  • Explanation letter for any judgments with a copy of release/satisfaction
  • Explanation letters for other delinquent credits of record (late payments, liens, foreclosure)

Other refinancing documentation

  • A list of addresses of your residences for the last two years
  • If you were a full-time student at any time in the past two years, a copy of your diploma or transcripts
  • Social Security number
  • Relocation agreement (if you were transferred into the area)
  • Check for the application fee (if required)
  • If you are a resident alien, evidence of permanent residency (a.k.a. green card) issued by Immigration Services (INS)

Depending on the product and program for which you are applying, additional information may be required.

Here's a detailed list of all the documents you'll need for your application (PDF)

Ready to refinance your mortgage?