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If you want to get the best rate on your refinancing, it is best to be prepared. First, you need to know why you want to refinance. If it is for the lowest possible rate, make sure that you first know if you would prefer to have a fixed or adjustable mortgage. Also know if you would prefer an interest only or traditional mortgage. Always make sure you have your paperwork ready. This will enable your mortgage provider to move quickly on setting up your refinancing. Some of the key things to remember are copies of your bank statements, tax returns, proof of employment for the last couple of years, and your property insurance documentation if any. Make sure to follow up with your lender regularly, but do so in moderation. Typically you can call once a week to keep your file fresh in the mind of your lender without being too burdensome.
