What to expect.

Understand the refinance process from application through closing.

Take a few minutes to find out what to expect when you’re refinancing your home. Ready to take the next step? We’re ready to help.

Start by doing your homework:

Next, begin gathering your documents, including:

  • Income documents such as paystubs, W2s and tax returns
  • Bank account statements
  • Purchase agreement (if buying a home)
  • Additional documents

You can use our convenient new tools to digitally sign and upload your loan documents.

Next: Applying for Your Refinance Loan

Some Answers

Here are some answers to questions many people ask about the loan process:

It depends, but in many cases, an appraisal is required. Learn more about appraisals.
Closing costs vary and are determined by mortgage type and where you live. These typically include lender fees and third party fees, such as for an appraisal and title insurance. Click here for a list of closing costs.
Possibly. Your credit score is only one of the factors taken into account when you apply for a refinance loan. We also look at your employment history, income, debt and cash reserves.