Refinance Documentation Checklist

Standard Documents                  

• Two year work history phone/via email. Please provide company name, address, phone, your position, and dates of employment (All employers covering the past 2 years)
• Two years w2’s (for all jobs held)
• One full month of pay-stubs (covering a full 30-day period with no gaps)
• Two months complete bank statements: (All numbered pages, even if blank or don't appear important)
  - If printing from online make sure to print actual statements as if mailed to your home. These are often found in the "statements and documents" section within your online banking portal.
  - Must state full name, your account number, bank’s name and running balance total.
  -Large deposits may require additional documentation or proof of where funds came from.
• Must be current on all student loan payments
• Collections and Charge Offs: Collections and charge offs over $2,000 "may" be required to be paid in full depending on the loan product.
• Clear copy of your Driver's License

Additional Loan Documents                  

(“May” be needed, based on investor approval)

• Two years complete tax returns: (Personal 1040’s and Business 1120’s) All schedule, all pages (do not need state section with “barcode” on top).
• Social Security award letter/Pension award letter: (If applicable)
• Divorce Decree: (If Applicable)
  - Child Support order, any alimony agreements and proof of monthly payment
  - Cancelled checks and additional documentation may be needed in order to be used as income.
• VA Form DD-214: (Veterans Only)
• Retirement Statements: All pages of each statement and they must cover the last quarter or the past 2 months.  You also must provide the “Terms and Conditions” of how the funds can be withdrawn.
• Resident Alien/Green Card: (If Applicable)
• Work Visa: (If Applicable)

Subject Property Documents                  

• Recent Mortgage Statement, bill or coupon: (Can be printed from online)
• Recent Real Estate Tax Bill
• Recent Homeowners Insurance Policy
• Copy of any Condo Homeowners Association monthly dues

Additional Properties Owned               

• Recent Mortgage Statement: (all mortgages, all properties)
• Recent Insurance Policy: (all mortgages, all properties)
• Recent Real Estate Tax Bill: (all mortgages, all properties)
• Copy of any Condo / Homeowners Association monthly dues