• What do I need to have in order to apply for refinancing?

    • Proof of income

      • A list of your employers for the past 2 years
      • Pay stubs for the past 2-3 months
      • W-2 statements
      • Tax returns for the past 2 years
      • Self-employed individuals will need to provide additional documentation, prepared and signed by an accountant
    • Proof of assets

      • Bank account statements from the past 3 months
      • Security accounts (stocks, bonds, life insurance)
      • List of all property owned
    • A complete accounting of debts

      • Statements for existing loans, including car loans, student loans and lines of credit
      • Your current mortgage statement
      • Credit card accounts
      • 401K accounts
    • Proof of insurance

      • Homeowner's insurance
      • Title insurance
    • Personal information and background

      • Social security number
      • Prior 3 years residential addresses including dates
      • State identification card or your State Driver’s License
    • Documents for special circumstances

      • Disability or Social Security income
      • Pension income
      • Veteran's Certificate of Eligibility