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Mortgage Refinancing Guide

Home-Equity-Loans.org

 

Step 1: Decision Process | Step 2: Preparation | Step 3: Loan Options
 

Step 2: Preparing Yourself                                                                                              

Home equity loan refinancing is practically the same process that you went through when closing your initial mortgage.  That means you will need to do some work before signing with a lender.  Your first step is to get all the paperwork together that you will need to show your lender.

Refinancing Paperwork
Everything stays the same as when you closed your original loan. You will need documentation of your annual wages, employment status, and existing account information.  Other than this primary paperwork, your lender will inform you as to what you specifically need.  If you happen to be self-employed, you will need to provide copies of your federal income tax returns for the previous two years.  You may also need to show a profit/loss statement and a personal finance declaration.  Be prepared to fork over a couple checks in order to obtain a credit report and updated appraisal if you have not done so already. 

Fixing Up You Credit Report
It is a good idea to get a copy of your credit report before you sit down with a lender.  The reason for this is because of possible errors or even mistaken identity issues on your report.  The three main credit bureau's are Equifax, Experian, and Trans Union - and you should request copies from all three to check for continuity.  If you happen to find discrepancies, follow up with the appropriate steps listed on our page titled "The Keys to Guarding Your Credit History".

In the meantime, do all you can to polish up your credit history.  If you have open credit accounts, combine as many together as you can while closing the ones you do not need.  If it is possible, pay your credit bills down to half of their maximum allowance while maintaining your current payemnts with punctuality and consistency. 
 

 

Step 1: Making a Decision | Step 2: Be Prepared | Step 3: Loan Choices
 

Home Equity Loan Refinancing Guide

Home Equity Loan Refinancing Economic Terms & Definitions
Home Equity Loan Refinancing Refinance Mortgage 101
Home Equity Loan Refinancing Refinance Options
Home Equity Loan Refinancing Refinancing? Save $$ On Title Insurance
Home Equity Loan Refinancing Should You Refinance?
Home Equity Loan Refinancing When to Refinance?
Home Equity Loan Refinancing Step 1: Making a Decision
Home Equity Loan Refinancing Step 2: Be Prepared
Home Equity Loan Refinancing Step 3: Loan Choices

 

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