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Refinance Preparation Checklist
Checklist to help homeowners prepare for a refinance transaction.
Use this checklist to ensure you're fully prepared. Check off items as you complete them.
Gather Financial Documents
W-2s, tax returns, pay stubs, and bank statements
Review Current Mortgage Statement
Understand your current loan terms and balance
Check Credit Score
Review your credit report and address any issues
Get Home Appraisal
Schedule appraisal to determine current property value
Compare Loan Offers
Shop around for the best rates and terms
Calculate Break-Even Point
Determine how long it takes to recoup closing costs
Lock Your Rate
Lock in your interest rate when you're ready
Prepare for Closing
Review Closing Disclosure and arrange funds if needed