Here's What You'll Need to Refinance Your Home for HARP 2.0

The HARP 2.0 loans are in FULL SWING!  We are closing loans every month and have happy, satisfied customers.

I like to try to make things easier for people if I can.  I am intergrating a checklist of documents that are needed to start the HARP 2.0 process or any refinance into this website.  It may seem like a lot, but most of these items are filed away in a safe place in your home and they are accessed easily.

1.  Most current full 30 days Paystubs
If you are receiving Social Security or retirement income, will need the annual award letter.  You will need to keep your paystubs updated throughout the process as they will be asked for again.

2.  Most recent two years Tax Returns with W-2's and/or 1099's (if self employed, need corporate returns  or business tax returns as well.).  The "copy" of your tax returns must be signed to validate

3.  Most recent 2 months Bank Statements and Asset statements - All Pages of the statement - even if they are blank pages but have a page number on it.  you will need to keep your bank statements updated throughout the process as they will be asked for again.

4.  Copy of your Driver's License or Photo I.D. and Signed Social Security Card for idenity purposes for all borrowers inthe transaction.

5.  Copy of your Homeowner's Insurance Declaration Page - showing your home's coverage.  If you are in a condo or townhome, there should be a master copy.

6.  Copy of your "Note" from the last financing transaction on your home as well as your current mortgage statement.

7.  Copy of your Survey (your home drawing as it sits on the plot of land).  If you are in a condo or townhome, there should be a master copy.

8.  Owner's Title Insurance Policy - You normally receive this insurance policy when you purchase your home.  It is normally mailed to you along with your recorded deed from the title company or attorney where you closed.  You will receive a "re-issue" credit on this transaction to lower your title insurance cost. if you have this document.

9.  A credit report will be obtained.  For an individual credit report the charge for credit is $25.00, for a joint applicant report $50.00.  The cost should cover any updates we will need to do with our credit company.  If no updates are required, any overage we collect is refunded back to you.  Checks are made payable to People's First Financial Services.  Once we have received your check, we go ahead and pull the credit report.  We also have Pay Pal available.  Ask for details.

I hope this list helps in your paperwork gathering.  The sooner the documentation is gathered together, the sooner we can get started on your mortgage loan and saving you more money every month!

Call JoAnn Young if you have any questions  321-243-4917  or email JoAnn@PeopleComeFirst.net