By the time you meet the lender to begin the process
, make every information available as possible as you can. Grabb all this documents with you, from existing mortgage, as well the paperwork handed over to you from your first loan. This could give the lender and you an excellent idea of what could be most important for you. Bring along the tax return and the bank statements as well. This can make the process of the mortgage refinancing become faster and finer start.