Refinance Checklist

Just as interest rates change over time, so does your situation and refinancing your original mortgage can be a helpful tool toward reaching your financial goals. Refinancing a mortgage can involve new steps in addition to those you may have already encountered when purchasing your home. The following checklist provides a brief guideline to help you get started with refinancing your original mortgage.

Determine your goal or goals for the refinance

What do you owe on your current mortgage

Is refinancing a good move for you

Your required information

Your rights


Your goals

Amount owed on current mortgage

  • What is your payoff amount on your current mortgage?
  • Will you be charged any penalties for early payment?

Is refinancing a good move

  • If possible, determine the closing costs of the refinance
  • Closing costs typically fall between 0% and 2% of the loan amount
  • Estimate the numbers to see if refinancing makes sense for you

Required information

The exact documents required will depend on the loan type and program you are using. The following list contains the most commonly needed documents:

  • Proof of income
  • Proof of home insurance
  • W-2
  • Last 2 years tax returns
  • Last 2 months bank statements
  • Current mortgage statement

Your rights

You may cancel your loan for any reason during the three-day right of rescission period.


Contact Us

To get started or for more information please give us a call at (510)-733-2191 or send us an email at This email address is being protected from spambots. You need JavaScript enabled to view it.