To apply for a refinance, you’ll need to provide information about your income, assets and debts, plus any special circumstances that may impact your ability to repay.


In addition, the lender will arrange for an appraisal of your home, a survey of the property boundaries, flood determination, a title search and title insurance. They may also set up an escrow account to pay for necessary insurance and property taxes.

Be prepared to provide some or all of the items below.



  • Pay stubs for the last 30 days
  • W-2 forms for the last two years 
  • Child support/alimony - divorce decree or 12 months cancelled checks*
  • Awards letter for social security and 1099 for disability income



  • Signed, completed tax returns for the past two years, including personal, partnership, and corporate, if applicable, and all schedules.
  • Year-to-date business profit and loss statement for current year, if more than three months have passed since the end of the tax year
  • Current balance sheet



  • Most recent property tax bill
  • Current homeowner’s insurance policy, and flood insurance if applicable



  • Original bank statements for the last three months, including savings, checking, and investment accounts including retirement accounts
  • Stocks and securities account statements for the last three months



  • Child support/alimony, if applicable
  • Bankruptcy/Consumer Credit, if received



  • Explanation of discrepancies on credit

Download the application checklist


Take the next step.

Contact a PNC Mortgage loan officer to explore your loan options, ask questions, or get started on an application.


*Child support or alimony income can be used if you received it for the past 12 months and it will continue for at least three years into the loan period. However, alimony, child support, or separate maintenance income need not be included if it is not to be considered as income available to repay the loan.


Bank deposit products and services provided by PNC Bank, National Association. 

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