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Refinancing Application Checklist

Wells Fargo Home Page.


You may be asked to provide this information when you apply for a home refinancing loan.

 
Lightbulb icon.If you have a question about a document, print this checklist and write your question in the Notes and Reminders space below. See Documents and Definitions to learn more about terms in bold-faced type.
 

Identity and income verification

__ Full legal name, Social Security number, and birthdate

__ Phone number, email address, and current and former residential mailing addresses over the last two years

__ Primary and secondary income amounts and sources

__ Government-issued photo ID and Social Security card

__ Name, addresses, and phone numbers of all employers over the last two years

__ Values of bank, retirement, investment, and other asset accounts

__ All current expenses

__ Address of property being purchased, year built, estimated down-payment amount, and purchase price

__ Estimates of annual property taxes, homeowners insurance, and any homeowner association dues

Income verification — self-employed

__ Federal tax returns (personal and business) — complete copies for the last three years

__ Profit and loss statement — (Year-to-date)

__ List of all business debts

Income/tax documents

__ IRS Form 4506-T — Request for tax transcript, completed, signed and dated

__ Pay stubs covering the last 30 days

__ W-2s for the past two years

__ Federal tax returns (1040s) for the past two years

__ Asset/bank statements — Most recent two months’ statements for all accounts listed on the application

__ Written explanation if employed less than two years or employment gap exists within the last two years

Credit verification

__ Credit explanation letter for late payments, collections, judgments, or other derogatory items in credit history

__ Source of funds documentation for any large deposits on asset or bank statements

__ Judicial decree or court order for each obligation due to legal action,

__ Bankruptcy/discharge papers for any bankruptcies in credit history

__ Payment history for public utilities, phone, cable TV, car insurance, and other expenses

Other

__ Homeowners insurance information, including agent’s name and phone number

__ Purchase contract signed by all parties

Notes and Reminders