The list of documents needed for a refinance will vary based on your individual circumstances. Here’s the core list of documents that everyone will need to provide along with some of the possible additional items.
Always Needed:
- W-2s or 1099s for the most recent 2-years
- Federal tax returns for the most recent 2-years (all pages of the returns)
- Paystubs for the most recent 4-weeks
- Bank statements for the most recent 2-months (all numbered pages from the regularly issued statements)
- Recent mortgage statement (to help in obtaining a pay-off)
- Contact info for your homeowners’ insurance agent
- Contact info for your preferred closing attorney
Needed if Applicable:
- Separation Agreement (if divorced/divorcing)
- Business tax returns (if self-employed)
- Pension or Social Security Award Letter (if receiving)
- Most recent statements for any debts being paid-off
- Documentation on student loan payments (if in deferral)
- Bonus and Overtime income documentation (if needed to qualify)