Thank you for exploring the refinance options. As with any mortgage, the options you have available are unique to your circumstances.

Interest rates can be volatile and can change without notice. This is especially true in times where interest rates have moved suddenly. Like the stock market, the mortgage market at times can have significant price volatility.

Below is a road map on the next steps for clients.  Please note their minor differences in the process for previous clients vs. new clients.

Previous Clients

You do not need to complete a new application. We will call you to update the information we already have on file for you.  We will need the following from you:

• Copy of last years W-2’s for all borrowers (or year end pay stub)
• Copy of the last two pay stubs for all borrowers
• Copy of your last two bank statements (see below)
• If you are self employed please see below.

If we do not service your loan, I will also need the following from you:

• Copy of your most recent mortgage statement
• Copy of your current homeowners insurance policy

New Clients

Welcome to the family! We look forward to serving you. We will need the following from you:

• Completed Mortgage Application (click here to complete)
• Copy of your most recent mortgage statement
• Copy of last years W-2’s for all borrowers (or year end pay stub)
• Copy of the last two pay stubs for all borrowers
• Copy of your most recent two month bank statements (see below)
• Copy of your current homeowners insurance policy
• If you are self employed, I will send you a separate email on what is required.

There is no cost or obligation to complete a loan.  By starting the application you help us to have a head start on the process which will save us time and help you to maximize your opportunity to potentially refinance.

Bank Statements – Bank statements are only required in the case you will need to have cash at the time of closing.  Clients who would like to roll the closing cost into the new loan or will be receiving cash back at closing will not be required to provide bank statements in most cases.

Self Employed Clients – You will need to provide your complete most recent federal tax return (all pages and all schedules).  You will need to provide both personal and business tax returns.  Additional information may also be required.  We will inform you should that be necessary.