Kate's Mortgage Information Planner

Improve your luck with my mortgage information planner.

For refinancing advice, ask Kate, a savvy insider, your questions.

You can greatly increase your chances of getting the lowest home loan payments. To save the most money, prepare before you call your lender.

See why my personal information planner is so important to your refinance and home buying.

Personal Mortgage Information Planner

• Initial Information
  • Home address
  • Mailing address
  • Home phone number
  • Cell phone number
  • Email address
  • Birthdate
  • Social security number
  • Driver’s license
  • Resident Visa (if not a US citizen)

• Housing History
  • 24 months of home addresses
  • 12 months of landlord’s name, address, and phone number
  • Final paperwork from previous refinancing or purchase of home
  • Current home loan statement

• Job History
  • Employer’s name, address and phone number (last 2 years)
  • Beginning dates for each employment (last 2 years)
  • Reason for any job gaps (last 2 years)
  • Certificate of Eligibility and DD 214 (for VA loans)

• Income Documentation
  • Current pay stubs
  • W2s (last 2 years)
  • Tax returns (last 2 years-for self-employed, retirees and real estate investors)
  • Current year’s profit and loss statement (for self-employed)
  • Divorce decree and child support plan if receiving payment

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• Assets
  • Bank statements (last 2 months)
  • Investment account balances
  • Rental agreements and monthly statements (for real estate investments)
  • Anticipated amount of gift from a relative

• Liabilities
  • Divorce decree and child support plan if making payments
  • Bankruptcy documents with discharge page
  • Monthly payments (such as credit card payments, car, motorcycle, RV and boat loans, student loans and personal bank loans)

Print this list! Use it! Prepare before you call your lender!

Tip: You can also use this toolbar to search. Enter your subject and you'll be instantly guided to the information you're seeking.

Custom Search

Go ahead and bookmark this site. This way you can easily return to review the keys to finding your best interest rate.

Kate's Blog is here. Keep up to date on what's new about home loans and additional tips for refinancing.

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