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What should I do to prepare for my refinance application?

Here are a few things you’ll need to do to get started:

  • Gather your financial information (paystubs, W-2s, etc.).
  • Check your credit. Your mortgage interest rates improve with higher credit scores. Get a free report at annualcreditreport.com.
  • Find out how much you still owe on your current mortgage.
  • Get a realistic estimate of the market value of your home. Check out zillow.com, trulia.com , or ask a real estate agent to provide a market valuation of your home.
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