If you find yourself without all of the required documents for a mortgage refinance, it's important to communicate this to your lender as soon as possible. They may be able to provide guidance on alternative documentation options or offer solutions to help you gather the necessary paperwork. Keep in mind that not having all the required documents could potentially delay the process, as the lender will need to verify your information thoroughly. In some cases, lenders may allow for certain documents to be submitted at a later stage or provide options for electronic document submission to expedite the process. However, it's crucial to be proactive in obtaining the missing documents to avoid unnecessary delays.