Refinance Checklist

Mortgage Application Documentation Checklist

Ensure you have the necessary information and documents ready when applying for your mortgage.


  • Full legal name, Social Security number, Date of Birth
  • Primary phone number, email address, current, and former residential/mailing addresses over the last two years
  • Gross income amount, encompassing primary, secondary, and part-time employment, overtime, bonuses, and commissions (if applicable)
  • Secondary income sources and amounts, such as retirement benefits, disability payments, alimony, child support, rental or investment income (if considered for loan repayment)
  • Names, addresses, and phone numbers of all employers over the past two years
  • Value of each bank account, retirement, investment, and other asset accounts
  • Current expenses, including housing, credit card, loan payments, child support, and other obligations
  • Original purchase price, year home was purchased, current estimated market value
  • Total outstanding balance of all loans secured by the property
  • Reason for refinancing and the amount you need to borrow


Your mortgage professional will request the following documents, and possibly more, as your application progresses:

Income / Employment / Assets:

  • Completed, signed, and dated IRS Form 4506-T (Request for Tax Transcript)
  • Pay stubs covering the last 30 days with year-to-date information (for all jobs and applicants)
  • W-2s for the past two years
  • Federal tax returns (1040s) for the past two years
  • Written explanation if employed for less than two years or if an employment gap exists within the last two years
  • Most recent two months’ statements for all accounts listed on the application (all pages)


  • Explanation letter for late payments, collections, judgments, or other derogatory credit items
  • Documentation for large deposits not from payroll or gift fund deposits
  • Judicial decree or court order for obligations due to legal action (lawsuit, judgment, child support)
  • Bankruptcy/discharge papers for any past bankruptcies
  • Payment history for public utilities, phone company, cable, car insurance, and other expenses

For Self-Employed Applicants:

  • Complete copies of personal and business federal tax returns for the last 3 years
  • Year-to-date profit and loss statement
  • List of all business debts


  • Legible copies of Driver’s License and Social Security card
  • Hazard (Homeowner’s) insurance information, including agent’s name and phone numberSpecial


If you are a servicemember on active duty, consult your legal advisor regarding potential loss of benefits under the Servicemembers Civil Relief Act or applicable state law before refinancing your existing mortgage loan.

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