Home Refinance

  1. Refinancing could potentially reduce your monthly payments.
  2. Refinancing may also let you cash out of your home equity for home improvements or educational expenses.
  3. May eliminate PMI.

Benefits of refinancing

  1. Lower monthly payment
  2. A quicker pay off
  3. Lower interest cost
  4. Cash out

Documents You’ll Need

  1. Copy of drivers license and Social Security card for all borrowers
  2. Current paystubs for the last 30 days
  3. W2s for 2014 and 2015
  4. Tax returns for 2014 and 2015
  5. Last two month’s statements for all checking, savings, assets, and retirement accounts (must include all pages of statement)

If applicable:

  1. Complete tax returns for 2014 and 2015 if self employed or paid commissions
  2. Year to date Profit and Loss Statement of self employed or paid commissions.
  3. Bankruptcy letter of explanation and initial filing-discharge documents