So, I finally have gotten all our supporting paperwork together for our Refi. Below is a list of documents and information that we had to provide:
Salary and Taxes:
W-2 for both of us for 2009, 2010, 2011.
Copies of our tax returns for 2009 and 2010
Copy of the extension form we filed with the IRS for 2011 taxes
Pay stub for each of us
Procedures and contact information for employment verification for each of us
Recent mortgage statement
Last property tax statement
Insurance declaration page for hazard and windstorm
Recent mortgage statement for each investment property
Last property tax statement for each investment property
Insurance declaration page for hazard and windstorm for each property
Rental lease for each investment property
Two months of bank statements for each Wells Fargo checking and savings account
Two months of bank statements for each ING savings account
We also had to provide an explanation for each deposit in excess of $1,000.00 that was not a direct deposit. Which for us meant we had to explain rent deposits and transfers between Wells Fargo and ING (where we keep most of our savings).
Copies of our drivers' licenses
Documentation as to the status of any address that were associated with our names from credit search, meaning we had to provide dates of residency and/or whether we had any ownership in the property. I was surprised to have my parents' home address come up, its been a long time since I vacated my childhood home.
It was a lot of documentation, more documents than when we refinanced in 2009, but all the work will be worth it if the house appraises for the magic number and we can get this great rate.