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Back to Refinancing

Refinancing Checklist

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

  • Get Started – begin the process online or by phone 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 Member Services at 804-323-6800 or 800-285-6609.