Refinance Checklist

When you want to get your mortgage done, and you can document your income and assets for the loan, make sure to gather:

• 1 month's pay stubs (if biweekly then 3 pay stubs, if bimonthly then 2 pay stubs)
• 2 years tax records (W2, 1099)
• 3 month's bank statements (all pages, including boilerplate pages at the end)

This is a basic summary of some of the documents you may need.

Remember, there are many loans out there that require little or no documentation. These are called "no-doc" or "lite-doc" loans.

Some lenders may require some or all of these items:

1. Cost of appraisal
2. Cost of credit report
3. Most recent month's pay stubs
4. Drivers license
5. Social Security card
6. List of all places lived in the past 2 years
7. Copy of green card for non-US citizens
8. Past 2 years W-2's for all jobs
9. Letter of explanation on credit trouble
10. Self-employed - business records, bank statements
11. For rental properties - copies of rental agreements
12. For cash out refinances a letter explaining the intentions for the cash
13. Proof of residency - utility bills, cable bills, phone bills, etc. in your name at the address of application
14. Home Owners Association name and contact information for the property management company
15. Bankruptcy records if relevant

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