Below is a general list of documents to apply for a Refinance loan, but ask one of our loan offficers if you are eligible for a streamlined documents list to get you started!
** STREAMLINE VA and FHA Loans** No appraisal! May be able to skip income and asset documentation! Call 808-270-1111 to see if you are eligible today!
Refinance Loan Timeframe
- Generally 3-5 weeks, but some loans can take up to 8 weeks
Refinance Loan Closing costs
- Closing costs generally range between 1 and 4 % of loan amount
- No out-of-pocket costs option is usually available.
Documents needed for Refinance Loan
- W-2 for the previous 2 years
- Gov't issued Photo ID
- Paystubs covering 30 days period
- 2 most recent bank statements on all depository accounts
- Homeowners' insurance information (agent's name and phone number or Insurance Declarations page)
- HOA Invoice and Tax Information
- Copy of most recent Mortgage Statement
- Personal tax returns for the previous 2 years
+ Self Employed Borrowers only:
- Business tax returns for the previous 2 years
- Business Licenses covering a 2 year period
- Year-to-date profit and loss statement (P&L)
+ If Applicable:
- Final divorce decree
- Proof of child support receipt and continuance
- Full bankruptcy filing
- Bankruptcy discharge
- Copy of a Green Card
- Copy of SSN card
- Disability Award Letter
- SSI Award Letters
- Pension Award and Continuance Letters