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Will Pinnick President

of Home Loans By U, Inc.

Thank you for the opportunity to

to earn your business and we look

forward to becoming your family's 

trusted Home Loan experts.

Refinance Document Check List


Thank you for considering Home Loans By U, Inc. to assist your home Refinancing needs.


To help ensure that the process goes smoothly, we’ve put together the following general checklist to assist you in the gathering the supporting documentation for your loan.


Additional items may be needed depending upon your specific scenario. Please contact one of our Mortgage Experts for a list of specific items or with any questions. We look forward to the opportunity to assist you with your Refinance!


List of Items Required


Driver’s License

Social Security Card

Copy of the Note - for the mortgage being refinanced.

Most Recent Mortgage statement - for the mortgage being refinanced.

• Include a copy of the statement for a 2nd Mortgage/HELOC if it is being paid off or re-subordinated.

Owner’s Title Insurance Policy


Letter of Explanation for Purpose of Cash-Out - (If this is a cash-out refi).

• Needs to be signed and dated.

Most Recent Paystubs - Covering the last consecutive 30 day period.

2016 & 2017 W2s

• W2s are a part of a complete tax return and the lender will request to see all the W2s filed with each return you are providing.

• This includes w2s for a non-borrowing spouse if they are on the returns filed.

2016 and 2017 Personal Tax Returns

• Include all pages/schedules filed with each return.

• Make sure that the tax returns are signed.

• If the current tax year is on extension. Please provide a copy of the extension and  the prior 2 years filed returns.


All K1s associated with the personal tax returns being provided


Self-Employed Borrowers

For any company you have 25% or more ownership:


Most Recent 2 Years Business Returns

Must be Signed and Dated

2016 Year to Date P&L

Signed and dated


Does not need to be prepared by an accountant     


Most Recent 2 Months Bank Statements

Must show assets to cover down-payment, closing costs & reserves.

Include All pages for each statement.

If the statement says Page 1 of 5, include all 5 pages- this will be a requirement in underwriting.


For All Properties Owned/Named On Title

Mortgage Statement

HOA Home Owners Association payment slip (if applicable)

Tax Bill (if not escrowed as part of mortgage)

Insurance Dec. Page- showing premium amount (if not escrowed as part of mortgage)


Points of Contact: Name, Phone #, and Email Address

Title Company/Attorney

Insurance Agent

Condo Association (if applicable)

Contact for entry for the appraiser

Employer Contact- For Verification of Employment (Doesn’t apply to self-employed borrowers with >25% ownership)

Accountant- Self Employed borrowers only


For Alternative Income Sources:

Rental Income

Fully Executed Lease


Alimony or Child Support:

Divorce Decree/Separation Agreement stating amount received & proof of continuation for at least 3 years. 

Canceled checks/deposits/bank statements showing that you have been receiving it for the past 3 months


Social Security, Disability, VA Benefits:

Copy of the awards letter from the agency/organization

Most recent 2 months’ bank statements showing receipt in your bank account


Dividend/Interest/Trust Income:

Last 3 years tax returns- all pages and schedules.

Most Recent 2 months bank statements to confirm likely continuation of the income for the next 3 years.

Copy of the Trust Agreement (Signed)


If a Gift will be Used For Part of the Down-Payment:

Executed Gift Letter

This will be provided to you by Foundation Mortgage and will detail the terms of the Gift.


Proof of Transfer of the Gift into your Account

Provide a copy of the Wire Confirmation or Both Sides of the Canceled Check.



Updated Bank Statement/Transaction Summary

Showing the gift has cleared your account on the account the gift was

NMLS ID: 398557

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