MORTGAGE REFINANCE WORKSHEET - First Bank and Trust
MORTGAGE REFINANCE WORKSHEET
Information and Documentation You Will Need
Where you can get this information
CREDIT HISTORY
Credit Score and history Bankruptcy Discharge and schedule of creditors
You can get your credit report and history from
Letter(s) of explanation for credit issues for: Late payments, collections, liens Gaps in employment
Borrower prepared or if error, statement from creditor or credit bureau verifying correction.
Gaps in employment should be explained in a separate letter.
CURRENT MORTGAGE
Current mortgage information Interest rate Principal Balance (how much do you currently owe? Maturity Date
Mortgage Statement Original Mortgage Loan paperwork Coupon book
Estimated home value Homeowner insurance declaration page/
Local tax assessor
Insurance company, original mortgage documents, insurance company online
INCOME and ASSETS - DEBTS
Two recent pay-stubs
Employer provided (paystubs)
Tax Documents W2 for wage / salary earners (two years) If self-employed, proof of self-employment (2 years) Two most recent personal tax returns with all schedules Two most recent business tax returns / financial statements (if applicable)
Employer can provide Tax Returns / Tax Preparer Business license, proof of insurance,
accountant letter
Award Letter or proof of receipt for: Social Security Pension
Assets ? list of assets with accompanying statements Bank Accounts Retirement plans Investment account statements
Online at or call the local Social Security office
Bank statements showing regular deposits
From Financial Institution or from online banking program. Include all pages
From retirement or investment plan administrator or online program
Homeowner Association documentation
HOA - Name and phone number
Other Income / Expense Items Divorce Decree?if you pay/ receive child support/ alimony (if using to qualify for loan) Debts that do not appear on credit bureau
Original document Copy from county clerk's office Note or agreement to repay debt owed Billing statements for debts owed
Your FBT Mortgage Loan Officer can review your checklist and documentation, provide guidance, and answer your questions.
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