Each lender may have slightly different ways of verifying your information, but typically you’ll need:
Mortgage verification documents. You’ll likely need a mortgage statement, FHA mortgage note, closing disclosure and settlement statement from your original FHA loan.
Employment documents. You won’t need employment or income documents unless you do a credit-qualifying streamline, or need to provide proof of the address you’re refinancing with a pay stub or W-2.
Financial documents. The FHA will need proof that you have the funds to cover your closing costs. This could be bank statements or other documentation of money you received from family members, government programs or nonprofits to help you cover closing costs.
Residence documents. Whether the home is a primary residence, rental property or vacation home is important. Utility bills, tax returns, a driver’s license or other similar documents are common ways to prove a primary residence.
Closing documents. The FHA will need to know your case number and other details of your loan, which are contained in the paperwork from your original closing.