Things You'll Need:
- W-2 statements Pay stubs Pay-off amount Previous year tax returns
-
Step 1
Contact your mortgage company and request a refinance. If the your current company does not agree to a refinance, locate a different mortgage company.
-
Step 2
Speak with the mortgage company to understand what they can do and what you may need to do.
-
Step 3
Gather and make copies of your W-2 forms, pay stubs, tax returns, and other documents the mortgage company requests.
-
Step 4
Submit the documentation to the mortgage company.
-
Step 5
Ask the mortgage company how long the process will take and check back once a week to understand where they are in the process.
-
Step 6
Work with the mortgage company to schedule a closing date appointment at the real estate attorney's office.
-
Step 7
Read and sign the closing documents. Store them in a safe place.























