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When you refinance, certain documents and information will help the process move forward more quickly. Listed below are some of the more common documents needed to refinance. The more information you have on-hand, the faster your refinancing will go.
Employment Information
- Most recent month’s pay stubs (originals)
- W-2 forms—past 2 years (copies)
- Income tax return information, especially if self-employed, paid by commission, or you own income property—past 2 years (copies)
Assets & Obligations Information
- Checking, savings, or stock accounts; 401K information; etc. (copies)
- Current credit score and reports
- Debt data such as credit card or current mortgage information
Insurance Information
- Homeowners insurance (copy, especially of the declarations page)
- Proof of title insurance
Additional Refinance Information

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