Why Refinance?

Refinancing can help you lower your monthly payment, shorten your loan term, access your home’s equity for cash, or complete a divorce buyout. It’s a strategic way to improve your finances and align your mortgage with your current goals.

• First, we need you to fill out a loan application (Please fill out the highlighted sections)

• We need your last two years of Tax Returns

• We need your last two years of W-2’s (If you do not have the last year W-2 or Tax Return, please send us your last paystub from last year)

• We need your last 30 days worth of Paystubs

• We need your last 60 days worth of Bank Statements (Please provide all pages, even if they are completely blank)

• We need a copy of your Drivers License (You can take a picture and text it or email if needed).

• We need a copy of your current Mortgage Bill for any properties owned

• We need a copy of your current tax bill (If you can not locate it, don’t worry about it).

• Lastly, we need a copy of your Homeowners Insurance Dec page.

• FOR SELF EMPLOYED BORROWERS If reporting as a 1099, or LLC, Two Most recent years of Tax Returns.

• If reporting as an S corp or other form of Corporation: Most recent 2 years of 1120S Corporate Returns and K-1’s IF there are rental properties or second homes owned

• Most recent Mortgage Statement and Homeowners Declaration Page and Flood Declaration page if applicable.