As one of the top Texas mortgage brokers we will help you find the best lender available. Once you have found a Texas mortgage company you still will need to go through the application process. This is going to seem pretty familiar because it is basically the same procedure you went through to get your original loan. The process necessary to refinance mortgage, Texas home equity loans and similar products is a legal process involving large amounts of money so there are many government requirement and regulations that the lender must consider. If you take the time to educate yourself about the documentation the lenders will require and have them prepared and available when you initiate the loan process, everything will go much more quickly and smoothly for all involved.

There are certain things that any Texas mortgage company is going to need in order to process your refinance application. If you do not have them when you apply you will have to obtain them before a loan application can be approved. Some documents include:

• Your original purchase contract
• Bank statements for the last twelve months
• Two most recent W-2 forms for each spouse
• Two most recent check stubs for each spouse

A much more complete Mortgage Documentation Checklist is available elsewhere on our site. If unfamiliar with terms such as equity line of credit, annual percentage rate, refinance, mortgage, Texas consumers can use our site's convenient Glossary of Mortgage Terms to look up definitions. At Texas Mortgage Tree, we want you to be a well-informed consumer who is able to fully understand the home loan comparisons available through our website.