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Refinancing
​Made Simple

Whether you are interested in refinancing to save on interest, lower your payment, cash out some equity, or accomplish all three; you've come to the right place.

​WHAT YOU WILL NEED TO PROVIDE

SALARIED OR HOURLY WAGED BORROWERS:
​

​
  • Two most recent pay-stubs
  • Two most recent years  W-2
  • Two most recent bank statements
  • Driver license or passport
  • A current mortgage statement
SELF-EMPLOYED BORROWERS (ownership exceeds 25%)
​
  • Two most recent years personal tax returns
  • Business tax returns (1120, 1120S, or 1065) if applicable
  • A year-to-date profits and loss statement and balance sheet
  • Two most recent personal bank statements
  • Driver license or passport
  • A current mortgage statement
FOR ALL BORROWERS IF APPLICABLE:
​

  • K-1 for tax years provided
  • Social security benefits award letter​
  • Living trust or certificate of trust
  • HOA billing statement
  • Pension award letter
  • Evidence of Homeowner insurance ​
  • Lease or rental agreement for investment properties
CA DRE No. 02004330 • NMLS​ No. 2078004  
© 2025​ VREBA, Inc. All rights reserved.
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  • Home
  • Services
    • Purchase
    • Refinance
  • About
    • Team
  • Contact
  • Resources
    • Forms & Documents
    • Mortgage Calculator
    • Glossary
    • Types of Loans