I'M READY TO REFINANCE - Action Steps to move you through the process!

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Yes, with all the talk of Inflation, Rates are still historically low!  


Rates will continue to rise, so, before too much time passes, if you need to save money on interest costs, lower your payment or take Cash-Out for home improvement, vacation, college or just put money aside for reserves (6 months), now is the time to ACT!

Take Action and take the first step!


I am here to answer any questions or if you would like a personalized NEEDS LIST - Please call Lisa @ 818.359.4145 to get started!

Getting Ready to Refinance Checklist:

#1 Gather Necessary Documents

  • Copy of your DL
  • Tax Returns - 2 Years, if self-employed - business returns will be required, if more than 25% shareholder in a company; 2 years tax returns will be required.
  •  All income related W2's, 1099's - 2 Years
  •  Award Letters, most recent, i.e., Social Security, Pension, or Disability
  •  Paystubs - two most recent; if paid weekly; the most recent four paystubs
  •  Assets - Personal Bank Statements - two months, most recent showing income deposits and/or required reserves
  •  Property Documents (for each property owned) - Mortgage Statement, Homeowners Insurance, Tax Bill, and HOA (homeowners association) most recent invoice.
  • if Applicable, Bankruptcy - discharge documents, Divorce Decree

#2 Call your Trusted Mortgage Broker - Mortgage Loan Specialist Lisa Baniahmad at Trust Lending Solutions, dba of The Bani Group, Inc. at 818-359-4145 to take a QUICK and EASY loan application!

#3 Send in your documents via my secure document upload link:  https://spaces.hightail.com/uplink/TrustLendingSolutions

#4 Provide a Credit Card Number so the Appraisal, if required, can be ordered 3 days after initial intent to proceed is acknowledged.

#5 Wait a few days for your Loan Approval from Lender

#6 Once Appraisal is in and all Prior to Loan Document Conditions have been cleared by lenders' underwriter, we move into the doc department.

#7 Docs arrive in Escrow, we schedule your signing with a Notary and docs are returned to Escrow after signing.

#8 Funding happens three days after signing; investment properties can fund the next day.

#9 Funds are wired by lender to Escrow/Title 

#10 Loan Records, and funds are dispersed!

Congratulations, you did it!  Your refinance is Closed;  It was Easy, Efficient and Stress Free!


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