Mortgage Refinancing Checklist

Posted September 06 2016
by PenFed Team
IRS tax form

What You'll Need When Refinancing

While your move will most likely happen in a single day, preparing for it can take some time. The good news is, the more you do beforehand, the faster and less stressful the move itself will be.

Proof of Income

  • A list of your employers for the past two years
  • Pay stubs for the past two to three months 
  • W-2 statements
  • Tax returns for the past two 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 three 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
  • 401(k) accounts

Proof of Insurance

  • Homeowner’s insurance
  • Title insurance

Personal Info & Background

  • Social Security number
  • Prior three 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