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Research Center
Refinance Your Mortgage
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Your First Step Towards Refinancing
Are you currently thinking about refinancing but not sure where to start? The first step you need to take is to find out if refinancing is beneficial for you at this time. You have three options on how to do this:
Are you currently thinking about refinancing but not sure where to start? The first step you need to take is to find out if refinancing is beneficial for you at this time. You have three options on how to do this:
- Calling us and speaking to a mortgage professional who can answer your questions over the phone and get you on track for your refinance
- Filling out our contact form and have a mortgage professional contact you either by email or phone.
- Last but not least, you can fill out our online application form and this will give all your information to a mortgage professional that can immediately start working on the best options for you and speed up the whole process.
Once You're Ready to Move Forward
To get the process started you will need to fill out an application for the loan. If you had previously filled out our qualifying form on the web you are one step ahead of the game. The next step will be providing the required documentation for us to approve the loan. The documentation can differ depending on the program that you are refinancing into and your personal financial situation. Once the process has begun your mortgage professional will let you know exactly what documents you will need to provide.
The following list of documents are the most commonly asked for things that you will need to provide. Even though you may not need to provide everything in the list, it's a good idea to get it all together to insure a quick and easy process.
To get the process started you will need to fill out an application for the loan. If you had previously filled out our qualifying form on the web you are one step ahead of the game. The next step will be providing the required documentation for us to approve the loan. The documentation can differ depending on the program that you are refinancing into and your personal financial situation. Once the process has begun your mortgage professional will let you know exactly what documents you will need to provide.
The following list of documents are the most commonly asked for things that you will need to provide. Even though you may not need to provide everything in the list, it's a good idea to get it all together to insure a quick and easy process.
- Proof of income: Typically, this will be your most current pay stubs for the last 30 days.
- Copies of your W-2 Forms: This will be required for almost every applicant to help verify past employment and income history for the last two years.
- Copies of your asset information: This includes any accounts that are holding money for closing costs, statements for checking, savings and 401K accounts, and any investment records for mutual funds or stocks. You will need to provide your most current two months worth of statements.
- Copy of your homeowners insurance policy: This lets us know that you current and sufficient coverage on your home.
Testimonial |
They took the time to explain everything and called back with extreme promptness. |
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Monica S
(Cleveland, OH)
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