3.  Current Mortgage Statement = this comes from your current lender; you can probably get it online; shows your current loan balance, monthly payment, and escrows.

4.  Current Insurance Statement = this is for your homeowner's insurance; shows the current amount of dwelling coverage as well as your annual premium and when it is due; this is something your insurance agent can send you.

Items Needed to Lock Rate
(can send later*)

1.  Original Settlement Statement = you were given this in your original closing package; please include the signature pages as well; not needed if your current VA loan was funded through our company.  Click here to see an example of this document.

2.  Original Property Survey = you were also given this at closing; not needed if your current VA loan was funded with us; if you do not have a survey, the cost of a new survey will need to be included in your new loan.

3.  Driver's Licenses = include copies for all applicants.

4.  Social Security Cards = include copies for all applicants.

* Sending items needed to lock your rate is helpful now, but is not necessary for pre-qualification.

Once we have received these items, we will confirm by email that we have received everything and then we will prepare a Good Faith Estimate and an "Old vs New" Loan Comparison for your review.  It will include a target interest rate as well as estimated closing costs and your new estimated monthly payment.  We will proceed with your loan application and the applicable disclosures once you have reviewed this preliminary information and have decided to proceed with refinancing.