Paperwork for Refinance in Mckinney, TX

Welcome to McKinney Mortgage, your partner in the refinancing journey in McKinney, TX

We understand that the paperwork process can seem daunting, but rest assured, we are here to guide you through it. Below is a detailed list of the paperwork you'll need for a smooth and efficient refinancing experience with McKinney Mortgage:

• Identification and Personal Information:

  • Valid government-issued photo ID (driver's license, passport)

  • Social Security number

  • Date of birth

• Proof of Income:

  • Recent pay stubs covering the last 30 days

  • W-2 forms for the past two years

  • If self-employed, provide tax returns for the past two years and profit and loss statements

• Employment Verification:

  • Contact information for your current employer

  • Verification of employment form (may be provided by McKinney Mortgage)

• Assets and Debts:

  • Recent statements for all bank accounts

  • Statements for any retirement accounts or investments

  • Documentation for any outstanding debts (credit cards, auto loans, etc.)

• Property Information:

  • Current mortgage statement

  • Homeowner's insurance information

  • Recent property tax statement

• Additional Property Documents (if applicable):

  • Homeowners Association (HOA) information

  • Documentation for any recent property improvements or renovations

• Refinance Specific Documentation:

  • Existing mortgage note

  • Title insurance policy

  • Recent property appraisal (if available)

• Credit Score Information:

  • Authorization to pull credit report (provided by McKinney Mortgage)

  • Explanation of any significant changes in credit history

• Miscellaneous Documents:

  • Divorce decree or separation agreement (if applicable)

  • Bankruptcy discharge papers (if applicable)

• Proof of Homeownership:

  • Deed to the property

  • Proof of property ownership (previous title insurance policy)

It's important to note that this list is comprehensive but may vary based on individual circumstances and the type of refinance you are pursuing. Our dedicated team at McKinney Mortgage is committed to providing personalized guidance, assisting you in collecting the necessary paperwork, and ensuring a smooth and efficient refinancing process.

Feel free to reach out to us for any clarification or assistance regarding the required documentation. We look forward to helping you achieve your refinancing goals with McKinney Mortgage in McKinney, TX.

Disclaimer: loan terms and requirements can vary. We recommend discussing your specific situation with our experts for personalized guidance.