Step-By-Step Refinance Checklist

All About Loan Types, Checklists, Loan Basics, Mortgage 101, Shopping Guide

Are you thinking about refinancing your home? Make sure you have all the information and documents you need with this helpful refinance checklist. In this article, I will walk you through each step of the process and discuss what is necessary to make a successful application.


  1. Gather Financial Documents – Organize tax returns, W-2s, pay stubs, and other documents needed to refinance a mortgage.


  1. Calculate Your Debt-to-Income Ratio – Determine if you have sufficient income to cover your expenses each month after refinancing your loan.


  1. Check Credit Reports/Scores – Review credit reports/scores for errors and identify ways to improve them before applying for a new loan.


  1. Shop Around For Rates & Terms – Compare lenders’ interest rates, fees, and terms to ensure you are getting the best deal possible when refinancing.


  1. Speak with A Mortgage Professional – Consult with an experienced professional like Matt Stout who can help guide you through the process and answer questions that may arise along the way.


  1. Submit an Application – Once all documents are in order submit an application with the lender of choice.


  1. Monitor Progress & Keep Records – Track the progress of applications and keep records of communication throughout the entire process.


Refinancing a home loan is a complex process, but with the right preparation and resources, it can be both successful and rewarding. If you have any questions contact Matt Stout, from Consumer Financial Mortgage, to discuss your options and get the answers you need.

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Meet Matt Stout

More than just another mortgage broker

Matt Stout started Consumers Financial Mortgage in 1995 with the vision of helping homeowners save money. Since that time, he has worked to perfect the art of understanding mortgage customers and their financial goals. Using what he calls his “Mortgage Map”.


Matt creates options based on his client’s financial goals to better guide them to the best viable options. In his spare time he enjoys creating new recipe ideas, traveling, and spending time with his family.


Matt is THE master chef when it comes to mortgages – but he’s no slouch in the kitchen either! From money management tips to culinary tricks, Matt’s got you covered. Tune in for mouth-watering recipes and mortgage advice you can trust!


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