Refinance Checklist

When you refinance, certain documents and information will help the process move forward more quickly. Below are listed some of the more common documents needed to refinance. The more information you have on-hand, the faster your refinancing will go.


In order to obtain a mortgage, the following documents may be requested::

  • Past two (2) years W-2 and/or 1099.
  • Past 2-years of Federal Tax Returns--including all schedules
  • Pay Stubs covering the last (30) thirty days
  • Two most recent monthly bank statements
  • Most recent statement from your 401K or TSP Account
  • Copies of your Driver's License and Social Security Card
  • Most recent Mortgage Statement
  • Declarations page from you Home Owners Insurance

For a VA Loan:

  • DD Form 214 (Long Form)

If you are divorced:

  • A fully executed divorce decree

If you are self employed:

  • If self-employed through a corporation, and own more than 25% of the business, we need the last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.  

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact me for a free, no-obligation consultation.


Additional Refinance Information

Home Refinance

CenterState Bank

415 Meridian St
Huntsville, Alabama 35801

Phone: 256-564-7600

Fax: 866-240-4255

NMLS: 514390

Tracy Flesch

Vice President, Mortgage Loan Originator

Phone: 256-564-7615

NMLS: 684453