Refinance Checklist

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INCOME VERIFICATION

X Most recent 30 days of pay-stubs (or equivalent)

X Most recent 2 years W-2 forms

X Most recent 2 years Federal Income Tax Returns complete with all schedules

*** Most recent 2 years Federal Corporate and / or Partnership income tax returns complete with all schedules

*** Most recent YTD Profit / Loss Statement

*** Most recent Retirement and / or Social Security Award Letter

*** Proof of Child Support Income for one (1) year

X Other: Copies of Social Security Card and Driver License

 

VERIFICATION of FUNDS

X Most recent 3 months bank statements (include all pages)

X Most recent 3 months statements asset accounts (401K, thrift, IRA, etc.)

 

OTHER

*** Written and signed explanation of any credit problems or inquiries

*** Copy of Bankruptcy papers, discharge, schedule of debts, and explanation

*** Copy of Complete Divorce Decree

X Copy of Hazard Insurance

X Copy of Recent billing statement (i.e. second mortgage)

X Copy of Mortgage Note

X Credit Report – Individual: $14.10/Couple: $15.00 (Please make check or money order payable to RMC)

*** Copy of Lease Agreement(s) for rental properties

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    I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both to knowingly make any false statement when applying for this mortgage as applicable under the provisions of Title 18, United States Code, Section 1014.