Refinance Checklist

When you refinance, certain documents and information will help the process move forward more quickly. Below are listed some of the more common documents needed to refinance. The more information you have on-hand, the faster your refinancing will go.

You are likely to need Employment Information

• Most recent month’s pay stubs (originals)
• W-2 forms—past 2 years’ (copies)
• Income tax return information, especially if self-employed—past 2 years’ (copies)

Assets & Obligations Information

• Checking, savings, or stock accounts; 401K information; etc. (copies)
• Current credit score and reports
• Debt data such as credit card or current mortgage information

Insurance Information

• Homeowners insurance (copy, especially of the declarations page)
• Proof of title insurance

These materials are not from HUD or FHA and were not approved by HUD or a government agency and in some cases a refinance loan might result in higher finance charges over the life of the loan.