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Pulling together all the documents needed to refinance a mortgage might seem like an overwhelming task − but it's not. The following is a list of the documents typically needed to apply when you want to refinance your mortgage.
If you are refinancing an existing loan with the same lender, many of these documents won't be necessary, and some lenders can access most of the information they need electronically − with your permission, of course. Finally, some loans may require additional documents; your lender will let you know.
Here is a breakdown of the types of documents you will typically need to provide:
Keep in mind that depending on the type of refinance, a lender may require additional documentation or verification. For example, an appraisal may be necessary to determine the current value of the home, especially if you plan to borrow more than the amount originally borrowed or if you seek a cash-out refinance.
Again, it's very possible that when you refinance you may only need a few of the items listed above. Ask your lender what you need to provide.