What Docs Do I Need to Refinance?
- By Jim Blackburn
- on
- heloc, home equity, purchase, real estate investing, refinance, vision board, wealth plan
Let’s be real — paperwork is the part nobody loves.
But here’s the good news: it’s easier than you think.
And with Stairway, you’ll never feel like you’re doing it alone.
We’ll walk you through every step and tell you exactly what’s needed — no guessing, no overwhelm.
The 5 Essentials You’ll Almost Always Need
Here’s what most lenders (including us) will ask for:
- Income Verification
To show how much you earn, you’ll typically need:
- Last 2 years of W-2s (or 1099s if self-employed)
- Recent pay stubs (usually 30 days)
- Tax returns (especially if you’re self-employed)
- Asset Statements
To show where your funds are coming from:
- Bank statements (typically 2 months)
- Retirement or investment account statements if applicable
- Mortgage Statement
Your most recent one — we use this to compare your current loan with the new options.
- Homeowner’s Insurance
We’ll need proof you have it. If we can help lower your premium, we’ll connect you to our insurance partners.
- Identification
A government-issued ID like a driver’s license or passport.
Get started with our same-day approval process where you can upload all your documents securely and digitally—no printing or faxing required.
Bonus: Documents That Might Help or Be Requested
Depending on your situation, we may also ask for:
- HOA statements (if you’re in a condo/townhome)
- Divorce decree or child support info (if relevant to income/debt)
- Business license or P&L (for self-employed borrowers)
Self-employed or have a unique income situation? Explore options like DSCR Refinance that don’t require traditional income documentation, or our DSCR Cash-Out Refinance for investment properties.
Worried About Missing Something? Don’t Be.
We’ll tell you exactly what to upload, and you can do it all digitally — right from your phone or computer.
No printing. No faxing. No guesswork.
Before you gather documents, see what you might qualify for using our refinance calculators to understand your options and potential savings.
4. Transparency That Builds Trust
With us, you’ll never wonder:
- “Am I getting the best deal available?”
- “What are they not telling me?”
- “What surprise fee will show up at closing?”
Our commitment: Clarity, honesty, and education every step of the way.
Use tools like our Compare 2 Rates calculator to see exactly how different loan options stack up—complete transparency before you even submit documents.
Want to Make the Refinance Process Simple and Stress-Free?
Paperwork doesn’t have to be painful when you have the right team and tools. Here’s how we make it easy:
⚡ Start with same-day approval and upload all documents digitally from your phone or computer
📊 Explore your options first with our refinance calculators so you know what you’re working toward
💼 Self-employed? Check out DSCR Refinance options that use rental income instead of tax returns
🔍 Compare every detail with our Compare 2 Rates tool for complete transparency
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
- Tailored results based on your answers
- No credit check required
Need a Pre-Approval Letter—Fast?
Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.
- Only 2 minutes to complete
- Quick turnaround on pre-approval
- No credit score impact
Got a Few Questions First?
Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.
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