Documents You Will Need: To Refinance

  1. Copy of Current Driver's Licenses (You can take a picture of the driver’s license and text 205266-5669) or email to jmarbury@nationalbankofcommerce.com.
  2. Most recent 2 Months Bank Statements of all assets on the application. The statements need to include all pages, your name, full account number and the institution’s logo. We normally have to document the source all larger deposits..
  3. Most recent 2 Years Personal Federal Tax Returns, all schedules, W-2's and any K-1's. If you own 25% or more of any company we will need the Business returns. If you have not completed your returns for that year and have filed for an extension and it is after April 15th; we will need a copy of the filed extension. .
  4. Your homeowner’s insurance agent’s contact information
  5. Your Most Recent Year to Date pay stub (covering a 30 day period).

     

    Items that will not apply to every client

  6. Most recent mortgage statement for current home and any additional properties owned. This will document if your property taxes and homeowners insurance are included in your monthly payment. If you have no escrow account, we will need documentation of your homeowners insurance and property tax amounts.
  7. Copy of Divorce Decree to document any Alimony or Child Support payment obligation. Most recent six month’s bank statements and Divorce Decree to document receipt of Alimony and/or Child Support income. The Divorce Decree must also detail that this income will continue for at least 3 years.
  8. Most Recent Social Security and/or Pension/Annuity Awards Letters to document the receipt of this type of income. Further documentation may be needed to verify its continuance.
  9. Copy of Diploma/Degree and School Transcripts if attended school within the most recent 2 years employment
  10. For VA loan DD Form 214 (Long Form)

If you are interested in applying for a loan visit https://www.johnmarbury.com/apply-now/ and complete the application to the best of your ability.

Contact

John Marbury
jmarbury@nationalbankofcommerce.com
NMLS# 740833
Phone:205-266-5669
Fax: 866-217-4174

813 Shades Creek Parkway
Birmingham, Alabama 35209
 

Mission Statement

As a loan officer (mortgage broker 1989-2006) since 1985, I have seen a lot of changes over the years. The only consistency in the mortgage business and life is change. This is the reason that we believe it is necessary to move quickly and to be early. Let us know if you have any questions or if we can help in any way.

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