Documents Needed

Everything I need to start your loan package:

  • Tax Returns for 2021 and 2022: Must have filed your tax returns, we will be ordering a Transcript of the filed returns to verify your 1040's.
    • In the event you cannot find your Tax Returns, you will need to go to the IRS Consumer Division and order a copy they will give them to you there.
  • W-2's and 1099's: for 2021 and 2022.
  • Pay stubs: covering last 30 days OR Social Security Awards Letter and proof of pension (we will help with this).
  • Bank Statements: 2 Most recent bank statements, all pages for all accounts for last 60 days.
  • Investment accounts: 401k or IRA account statements, all pages most recent statement.
  • Copy of Driver's License and Social Security Card
  • Copy of mortgage statement: if you own any properties.
  • Contact Information of Landlord if renting: Need name and Phone number.
  • Insurance Contact Info: Contact your insurance agent to get a quote on your new home.
  • Letter of Explanation regarding ANY derogatory credit: Explaining any late payments, collections etc. For bankruptcies discharged in the last 7 years, explain what happened to cause the BK and mention that you have taken care of the cause as to ensure it will not happen again. SIGNED, DATED
  • IF APPLICABLE - copy of Bankruptcy papers, with discharge - Copy of Divorce Decree - Copy of Child Support Order

Get In Contact With BUYorREFI Financial By Phone or Email.


BUYorREFI Financial (NMLS 1838307)
Rhett Laufenburger NMLS# 221295

Contact Us

BUYorREFI Financial
6532 W Leiber Pl
Glendale, AZ 85310

(480) 225-6699

SAT-SUN By Appointment only

BUYorREFI Financial 6532 W Leiber Pl Glendale, AZ 85310 (NMLS # 1838307). 480-225-6699. Copyright © 2023 BUYorREFI Financial. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. BUYorREFI Financial is an independent mortgage broker and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. MB-1000724