Refinance Prep: What You’ll Need to Lock Fast
Rates move daily. The fastest way to capture a dip is to be fully pre qualified with your documents in. Use this page to see exactly what’s needed for your loan type, upload securely, and get RateWatch alerts when your target is in range.
How This Works
- Apply or upload basics so we can pre qualify you.
- Set a target (rate, payment, or monthly savings).
- We monitor your scenario and the market.
- We alert you when your target window opens to discuss locking.
Already applied? Upload items here so we can finalize your RateWatch settings.
RateWatch — Be Ready for the Dip
To finalize your pre-qualification and activate your RateWatch alerts, please upload the items below. This lets us prepare your personalized Savings & Benefits Plan and lock quickly when your target appears. Important: If your loan is a VA IRRRL/Streamline or FHA Streamline, no income documentation is required. Please only send your current mortgage and insurance information listed below.
Required Documents
- Current mortgage statement(s) for all properties owned
- Homeowner’s insurance declarations page
Income Documentation (if applicable) Only needed for full-document loans.
W-2 Wage Earner:
- 2 most recent years of W-2s
- Most recent 30 days of paystubs
- Year-end paystubs for past 2 years (if receiving overtime, bonuses, or commissions)
Retired:
- Current Social Security, pension, or VA award letter (if applicable)
Self-Employed (Standard):
- 2 years of most recent personal tax returns (1040s)
- 2 years of business tax returns (1120 or 1065), if applicable
- Business license (if applicable)
- Year-to-date profit & loss statement
Self-Employed (Alternative):
- 12 months of personal or business bank statements
- Or 1099s for most recent year
Secure Upload Note: Pre-qualification is not a commitment to lend. Locking a rate requires an eligible application, documentation, and lender approval. Availability can change intraday.
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Why Pre‑Qualification Matters
Getting pre-qualified helps us understand your goals and prepare a plan that fits your situation before the market moves.
With your income and property details verified, we can:
- Identify appropriate loan programs and potential savings in advance
- Set accurate RateWatch alerts based on your approved scenario
- Move quickly to lock when your target rate or payment becomes available
- Avoid delays when opportunities open
Pre-qualification doesn’t commit you to a loan—it simply ensures you’re ready to act when the right opportunity appears.