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What documentation do I need to provide for a refinance application?

Curious about Refinance

What documentation do I need to provide for a refinance application?

The documentation required for a refinance application may vary depending on the type of loan you're refinancing and the lender you're working with. However, here are some common documents that you may be asked to provide:

1. Proof of income: This can include recent pay stubs, W2 forms, and tax returns. Lenders use this information to assess your ability to repay the loan.

2. Loan statements: If you're refinancing an existing loan, you'll need to provide statements that show your current loan balance and payment history.

3. Credit report: Lenders will run a credit check to determine your creditworthiness. You may be asked to provide a copy of your credit report or authorize the lender to obtain one.

4. Property information: If you're refinancing a mortgage, you'll need to provide information about the property, including its value and any liens or other encumbrances.

5. Identification: You'll need to provide a governmentissued ID, such as a driver's license or passport, to verify your identity.

It's important to check with your lender to find out exactly what documentation they require for a refinance application.

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