_____ RECORDED COPY OF DEED (REFI'S & 2ND ONLY)

_____ LETTER EXPLAINING PURPOSE OF REFINANCE

_____ CASH OUT LETTER / USE OF PROCEEDS

_____ CREDIT EXPLANATION LETTER IF DEROGITORY CREDIT 

_____ DIVORCE DECREE / SEPARATION AGREEMENT

_____ SETTLEMENT COMPANY NAME AND PHONE NUMBER

_____ HOMEOWNERS INSURANCE AGENT NAME & NUMBER

_____ RATIFIED SALES CONTRACT AND ALL ADDENDUM'S

_____ COPY FIRST MORTGAGE NOTE (2ND'S ONLY)

_____ MOST RECENT STATEMENTS OF ACCOUNTS TO BE PAID OFF

_____ COPY MOST RECENT SURVEY & OWNERS TITLE INSURANCE POLICY

_____ COMPLETED LOAN APPLICATION

_____ BANKRUPTCY DISCHARGE

_____ SCHEDULE OF DEBTS INCLUDED IN BANKRUPTCY

_____ CHECK FOR CREDIT REPORT AND OR APPRAISAL MADE PAYABLE TO ESCROW ACCOUNT (CALL FOR AMOUNT)