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Back to Refinancing Costs

Refinancing Checklist

Below is information you may be asked to provide when you submit your refinance application.

  • 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.

Refinancing your mortgage could mean more money in your pocket, whether you want to lower monthly payments or get cash to consolidate your loans.

  • Related Resources

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  • Should I refinance?

    When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs.
  • Why Refinance?

    Refinancing is the process of paying off an existing loan with the proceeds from a new loan, and using the same property as collateral.
  • Refinancing Costs

    It’s important to understand the costs and fees you’ll have to pay for refinancing and how long it will take you to recover those costs.