Refinancing Documents Checklist

Here’s a list of information you may be asked to provide when you submit your refinance application.

Application – Use our online application, apply by phone or request an application by mail by calling us at (804) 323-6000, ext. 1017, or (800) 285-5051, ext. 1017.

W-2 forms for the previous year and pay stubs showing 30 days of pay history.

An explanation for any gaps in employment.

If self-employed or commissioned: last two years federal tax returns.

Most recent bank statement (including checking, savings, money market accounts and loans) for any non-VACU accounts. Include all pages of your statement.

Loan number and mortgage holder's name and address.

Annual homeowners insurance documents (at least the name of the insurer and the policy number).

Current tax assessment document.

Current title policy.

If you are applying for a VA loan: your Loan Guaranty Certificate.

If you have questions about what else you may need, please contact us.