Refinance Document Checklist

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1. Borrower Information (download at the bottom of this page)

2. Loan application form (download at the bottom of this page)    

• working history and living history can be ignored as you've already provided in borrower information.

• Provide ALL the information highlighted, for example age of kid(s) and dependent(s) on the tax returns, etc.

  • You can fill out the form on computer and save the PDF file. Please do not sign it.

  • Please make sure your writing is legible and correct. I suggest you always use UPPERCASE letters.

3. Recent 30 days paystubs

4. Recent two year tax return (Federal return -All pages, include Schedules and K-1s if applicable)

5. Recent two year W2s

6. Recent two month bank statements - what is valid bank statement 

• The bank statement must be clean, means no large cash or check deposit. Salary deposit is fine.  

• Always check with me before you deposit or withdraw large amount of money from the bank accounts during the loan process. If you make large deposit during the loan process, the loan may fail.

7. Driver license for all borrows – front/back sides

• For green card holder 

  • need both sides of the green card

• For H1B holder

  • Passport front page

  • Entry visa on passport, expired visa is fine

  • I-797 - two pages

8. Unexpired Homeowner Insurance statement (Hazard Insurance) - 

• • Provide the insurance agent contact information if it's not on the statement.

9. Most recent mortgage statement

10.Property tax bill

11.If you have HOA, please provide 

• the HOA monthly or yearly bill statement

• Let me know if the total condo units < 20 in your community.

12. If you have investment properties, please provide

• mortgage statement

• insurance

• property tax

• HOA bill if applicable

• Lease agreement if need to use rental income