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HARP Refinance – Checklist of Docs

HARP Refinance mortgage loans
  • Pay Stubs (30 consecutive days), most recent 30 days of pay-stubs
  • W2’s (2013 & 2014)
  • Tax Returns (2013 & 2014 (All pages, All Schedules) (*This may not be needed, based on Automated underwriting findings – Usually needed if self-employed or you own 25% or more of a business or income is from commissioned income).
  • Drivers license or government issued id
  • Mortgage Statement (most recent mortgage statement)
  • Note (on your you current loan from when closed at the title company)
  • HUD (Settlement statement (on your you current loan from when closed at the title company)
  • HR contact info (Name, Tel #,  any other contact info if possible)
  • Insurance Agent (If you don’t use an Insurance agent & use an Insurance company contact details for your current home owners insurance
  • Letter of explanation for all inquiries on your credit report – I will send you a word doc with this after I pull your credit report for this item.
  • * Assets – If an investment property, must show assets for the purpose of having 6 months of payments in reserves.

Note for above items:

* Asset documentation (Proof of Financial Assets)

  • Bank Statement (Last 2 month’s of account statement – ALL Pages) – Electronic asset conformation of your account is an option to account statements – ask us how this works.)
  • Other assets can be:  Stock, Bonds, IRA’s, 401K’s, any other investment accounts).
  • Retirement Account statement (most 2 recent statement(s), All Pages)

Employment Details for the VOE (Verification of Employment)

  • HR / Human relations or individual who is responsible for verifying both employment and salary or income from the borrowers employment.
  • If your employer (company) uses ”The Work Number”, we need all of the access codes for “The Work Number” in order to verify employment:
  • Employer ID
  • Salary “Key Code”
  • Company “Key Code”
  • Note: To have bonus or overtime income used, you must have had it for the past two (2) years & it must be able to continue in the future, otherwise it can’t be used.

Self-Employed / 1099 Income / Commission income

  • 2 years of tax returns with all schedules (Personal & Business tax returns, All pages, all Schedules; If the most recent years returns have not been filed, provide signed extension letter and the two years prior with a year to date Profit and Loss statement)
  • Current Year to date Profit and Loss Statement
  • Letter from your CPA (not Accountant), signed & dated verifying that you are self-employed and how long you have been self-employed.  Needs to show a minimum of 2 years of self-employment.
  • A written letter of explanation
  • The following items can also be provided: Articles of Incorporation documents, Business License, Web site print out
  • Other items can be requested by the underwriter, pending on the individuals personal situation.

If you receive income from any of the following:

  • Social Security, Disability, Workman’s Comp, pension income , grants, student loans unemployment income, or, any other benefits.
  • provide a copy of the award letter or paper work associated with that income source.
  • To use Alimony, Child Support it must be documented and proved that you receive payments for this and not cash under the table payments.
  • ie – Social security award letter, pension documents, divorce decrees (alimony), copy of the grant, student loan paper work, etc..

Other items that may be needed:

  1. If you own properties other than your primary residence:
  • Copy of your mortgage statement on each of the other properties that you own (including your primary residence if refinancing your investment property(‘s)).
  • Property Tax Statement for each property
  • Home Owners Insurance Declaration page (Evidence of insurance) for each property.

  • Ben was so great to work with on our refinance. He went above and beyond to make sure it was done right and that everything was in place. We would highly recommend him to anyone.

  • Ben worked with us when we were buying a home and I was particularly impressed with how quickly he always responded, even at odd hours. He was a pleasure to work with and we have already recommended him to friends.

  • Ben was courteous, professional, and knowledgeable. He had our best interest at heart through our entire home buying process and never pressured us. I would recommend him to anyone who is looking to buy or refinance a home.


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    All loans subject to credit approval. Rates and fees subject to change. Mortgage financing brokered by Mortgage Miracles Happen, LLC. Equal Housing Lender.
    Mortgage Miracles Happen, LLC is a mortgage broker in Arizona, Colorado, Florida, Texas & Utah.
    NMLS: 1289680; Arizona: 0937981, AZ Address: 7137 E Rancho Vista Drive, STE B05, Scottsdale, AZ 85251;
    Colorado: Mortgage Miracles Happen, LLC; Florida License # MBR1900,
    UT: Mortgage Miracles Happen, UT license # 7380298 Utah DRE,
    Texas TDSML Texas Recovery Fund
    All rights reserved. © 2017

    Tel: 1-(801)-399-2364 | Texas Office Tel: 1-(281) 724-7423|

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