It depends upon the bank and their policies. I have know some to request copies of your tax returns, others want either a paycheck stub or a W2.
Refinancing is just like buying a house. You have to have a certain income, less than a certain amount of debt for that income, and good credit scores for the loan to be approved. You also have to have enough equity in the house to be able to borrow enough to pay off the previous loan. And, they verify all of this by checking your income tax returns, your credit reports, and they even do an appraisal on the property to verify how much they can lend you.
my bank requires w-2s, but not your actual tax documents.
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