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Documents needed for refinancing mortgage



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The documents needed for refinancing a mortgage may vary depending on the lender and the type of refinancing program. However, some of the common documents that are typically required include:

  1. Proof of Income: This includes recent pay stubs, W-2s, tax returns, and other documents that show your current and past income.
  2. Proof of Assets: This includes bank statements, investment account statements, and other documents that show your current assets.
  3. Credit Report: Your lender will pull your credit report to assess your creditworthiness and determine your interest rate.
  4. Appraisal Report: Your lender will order an appraisal of your home to determine its current market value.
  5. Homeowners Insurance: You’ll need to provide proof of homeowners insurance that meets your lender’s requirements.
  6. Title Insurance: Your lender may require title insurance to protect against any potential legal issues with the title of your property.
  7. Loan Application: You’ll need to fill out a loan application that includes information about your income, assets, and debts.
  8. Other Documents: Your lender may also request other documents, such as proof of employment, divorce decrees, or bankruptcy documents.

It’s important to carefully review the specific requirements of your lender and refinancing program to ensure that you have all the necessary documents to complete the refinancing process.

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