Refinance Checklist

What you'll need





Home Refinance Checklist

The following is an outline of the items you will need to provide once you have received a loan estimate from your mortgage advisor and have indicated you would like to proceed. However, during the pre-qualification process, the more information you are able to provide to your loan officer, the better equipped your mortgage advisor will be to answer any questions you may have.

Standard Documentation

  • Copy of Valid Driver’s License (or photo ID front and back)
  • 2 Year Complete Work History
  • 2 Years W-2’s/1099’s (for all jobs)
  • 2 Years Complete Tax Returns
    • All schedules, all pages
    • Signed by borrower and or preparer
    • Name and phone number of CPA (if applicable)
    • Payment Arrangement with proof of peyments and or filed extension (if applicable) – additional conditions may apply
  • 1 Month of Pay Stubs (full 30 days) – Must include employee name, employer name and YTD income amount
  • 2 Months Complete Bank Statements
    • All pages (even if blank) most recent 2 consecutive months including transaction histories
    • Must state full name, full account number, bank’s name and running balance
    • All prior-month bank statements must be official statements
    • Large deposits may require additional documentation
    • (Please note that the balance in your checking and savings account must remain positive on all submitted statements)
    • No overdraft balances, overdraft transfers or non-sufficient funds will be acceptable

Standard Documentation (continued)

  • Resident Alien Card/Green Card – If applicable, front and back
  • Social Security Award Letter/Pension Statements
  • Divorce Decree (if applicable)
    • Child support order and alimony agreeements and proof of payment
    • Cancelled checks and additional documents may be required
  • Collections and Judgements May be Required to be Paid in Full
  • Must be Current with Student Loan Payments
  • Elimination of Monthly Debt May require 12 months cancelled checks (to exclude company car, etc. 
  • Current Mortgage Statements
  • Current Tax Bills
  • Current Insurance Policies
  • Copy of Associatoin Dues (if applicable)

For Additional Real Estate Owned

  • Current Mortgage Statements
  • Current Tax Bill
  • Current Insurance Policies
  • Copy of Association Dues (if applicable)

I just wanted to thank you for all of your help during the purchase of our new home. It was a very complicated process and the staff at Stonegate Mortgage was extremely patient and helpful through the entire process. I was not the only person who was impressed; the seller’s agent for Century 21 mentioned that she was so happy with their services that she will be giving his contact information to her future clients.

Jonathan & Tina G.

Years in business

Loans closed

Day Processing Goal


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