We will need the following;

  1. W-2’s or 1099’s for the past 2 years

  2. Pay Check Stubs for the most recent month

  3. Copies of the last 2 years Personal Federal Tax Returns and all Schedules

  4. The last 2 month’s bank statements for Checking, Savings, IRA’s, Stocks and 401K Account

  5. The last 2 years Corporate Tax Returns and all Schedules (if applicable)

  6. CPA letter stating 2 years of self-employment

  7. Divorce/Separation paper (if applicable)

  8. Retirement Award Letter or Pension, Disability paperwork (if applicable)

  9. Complete Bankruptcy papers (if applicable)

  10. Rental Agreements (if applicable)

  11. Copies of the most recent mortgage coupon(s) and the Insurance Declarations page for the property being refinanced and any other properties owned.

  12. Copies of Driver’s License and Social Security Cards

  13. 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.

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Home Re-Fi Checklist

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