Jimmy Asks… Im preparing to refinance – what documents do I need to provide?

Every situation is a little different but for the most part you will need the following documents:

  • Most Current Two Years Completed Tax Returns Including all Schedules
  • Most Current Two Years W-2 Forms
  • Most Current Two Paystubs
  • Name, Address, Phone Number, and Account Number for Savings and Checking Accounts
  • Most Recent Mortgage(s) Statement(s) on any Current Mortgage Loan(s)
  • Personal and Business Bank Statements (if applicable)
  • Verification of Liquid Assets (statements on 401k, IRA’s, etc.)
  • Home Owners Insurance and Home Owners Association Information
    (Company Name, Agent Name, Phone Number)
  • Copy of the 1st Mortgage Note (if requesting a 2nd Mortgage)
  • Landlord Name, Address, Phone Number (if applicable)
  • 12 Months Cancelled Rent Checks (if applicable)
  • Signed Purchase Agreement (if applicable)

I know it seems like a big list, but remember you are asking to borrow money so we want to have as much documentation as possible to make the lending decision. The more prepared YOU are, the better I am able to help you obtain the best financing options for you! Help me to Help you!

Meet Cheryl!

About Cheryl

As a successful business owner and community leader, Cheryl Braunschweiger is known and respected for getting things done with a degree of skill and enthusiasm that bring out the best in those around her - colleagues, clients and friends. The name of her business, ALMC Mortgage, reflects Cheryl's philosophy and personality. She says it stands for All Loans Must Close –a reflection of her determination to do whatever it takes to serve her clients. Cheryl has been in the mortgage lending business for 20 years. Read More About Cheryl
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