We will need the following;
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W-2’s or 1099’s for the past 2 years
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Pay Check Stubs for the most recent month
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Copies of the last 2 years Personal Federal Tax Returns and all Schedules
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The last 2 month’s bank statements for Checking, Savings, IRA’s, Stocks and 401K Account
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The last 2 years Corporate Tax Returns and all Schedules (if applicable)
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CPA letter stating 2 years of self-employment
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Divorce/Separation paper (if applicable)
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Retirement Award Letter or Pension, Disability paperwork (if applicable)
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Complete Bankruptcy papers (if applicable)
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Rental Agreements (if applicable)
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Copies of the most recent mortgage coupon(s) and the Insurance Declarations page for the property being refinanced and any other properties owned.
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Copies of Driver’s License and Social Security Cards
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Make sure there are Smoke detectors in all bedrooms and hallways and a Carbon Monoxide detector in the living room. The water heater needs to be double strapped as well.
Home Re-Fi Checklist
