Refinance Process

 

Required Documents

All Borrowers 

Self-Employed Borrowers

FHA/VA Borrowers

Documents That May be Required

1. Initial Referral

During this first stage, filling out a Pre-qualification Application identifies the anticipated refinance amount for which you will likely be approved. Checking the current estimated value of your home on Zillow is a great way to approximate the equity in your home. Knowing who guarantees your current loan and estimating your closing costs are the final steps to this stage.

2. Product Selection & Rate

  • Product Selection
  • Credit Score
  • Interest Rate

After you complete the Initial Referral, your Licensed Mortgage Loan Originator will review your application and contact you. Together, you’ll go over your final product selection and discuss current interest rates.

3. Collect Required Documents

  • Finalize Application
  • Submit Supporting Documents

TIMELY RETURN OF YOUR DOCUMENTS IS VERY IMPORTANT. If your documents are not submitted on time, your interest rate may change — don’t let this slip!

4. Underwriting

  • Trident Home Loans Submits Documents
  • Updating and Advising from Trident

We will work with you to collect any additional documentation the underwriter may require to complete the process.

5. Closing

  • Loan Approved!
  • Set Closing Date

Once your loan is approved, we will contact you to select a date for the closing.