Documents Needed for Refinancing
- All tax returns, business (if applicable) and personal, for the last 2 years (as filed with the IRS), including all pages and schedules.
- The most current W-2s and/or 1099 for the last 2 years for all individuals on the loan.
- Pay stubs for the last 2 months for all individuals on the loan.
- Bank statements for the last 2 months, all pages even if blank or no financial information is on them. Not a web print-out of the account activity, actual bank statements.
- 401k or retirement account statements verifying assets for the past 2 months.
- Homeowner’s insurance declaration page and receipt showing it is paid in full for a primary residence.
- Home owner’s insurance declaration page and receipt showing it is paid in full for 2nd home or investment property where the mortgage is held in the name(s) of the borrower(s) on this refinance.
- Current mortgage statement.
- A copy of your driver’s license and social security card, or Passport and social security card, and anyone’s on the loan.
- A copy of all current lease agreements for any rental properties, if applicable.
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 1372662