dcsimg
We research, you save.
Got Questions On Rates? (855) 610-2972

Can I get copies of checks from a past refinance?

By   |  Posted in Ask The Expert

Q: I refinanced my home in 2004 and got a second-mortgage for debt consolidation. I now need copies of the checks that paid off the IRS and other bills we consolidated. How best to do that?

A: It's not going to be easy, that's for sure.

If you received the funds and paid them out of the proceeds of the loan, your bank may have an electronic record of the original check. If you don't have or cannot locate your checking statements from 2004, the bank may still have an image on file as part of their regular record keeping.

If the mortgage company issued the checks, you are going to need to do some deeper sleuthing. You might check your loan documents to see if there is any indication of funds being used to pay other parties. Even with that, you'll need to find the company (or successor) and see if they have a records archive where they might store original documents. If not, they may have digitally imaged them already, and you might be able to get images of the drafts paid as a portion of your loan closing, as above.

The IRS and the party whose debt you satisfied may be able to give you information with regards to the date the obligation was paid up, which may help, too.

More help from HSH.com

  • Mortgage Rates Radar 07/26/2016: Mortgage rates tick higher again this week

    HSH.com releases its latest Weekly Mortgage Rates Radar showing a third small uptick in mortgage rates during the seven-day period ending July 26, as markets wait for data to further assess the repercussions of last month's "Brexit" vote. The Weekly Mortgage Rates Radar reports the average rates and points offered by lenders for the two most popular types of mortgages, the conforming 30-year fixed-rate mortgage and the conforming 5/1 adjustable-rate mortgage (ARM).
  • Mortgage Rates Radar 07/19/2016: Mortgage rates firm slightly

    HSH.com releases its latest Weekly Mortgage Rates Radar revealing a slight increase in popular mortgage rates during the seven-day period ending July 19, as warmer economic data and more-stable financial markets have formed as the tumult of the Brexit vote falls away. The Weekly Mortgage Rates Radar reports the average rates and points offered by lenders for the two most popular types of mortgages, the conforming 30-year fixed-rate mortgage and the conforming 5/1 adjustable-rate mortgage (ARM).
  • I’m in the National Guard, am I eligible for VA benefits?

    Yes. National Guard and Reserve members may qualify for a VA home loan. According to VA.gov, National Guard and Reserve members must meet one of the following conditions...
  • Mortgage Rates Radar 07/12/2016: Fixed mortgage rates creep toward record lows

    HSH.com releases its latest Weekly Mortgage Rates Radar showing still-declining mortgage rates during the seven-day period ending July 12, as global investors continue to try to find safe and positive returns in uncertain markets. The Weekly Mortgage Rates Radar reports the average rates and points offered by lenders for the two most popular types of mortgages, the conforming 30-year fixed-rate mortgage and the conforming 5/1 adjustable-rate mortgage (ARM).
  • Can I use a VA mortgage to purchase investment properties?

    The answer is "probably not," or at least "not directly or immediately."