When you are applying for a Dayton refinance loan there are a few things you can do that will really save you a lot of time, money, and frustration.  To be prepared is the best (and only) option you should allow yourself.  Make sure you have your employment and income information ready to go.  You should have at least one month’s pay stubs and your spouses on hand.  If you are self-employed you should have on hand your tax returns for the past two years.  You also want to have your past two years W-2’s from your employers.  If you’re work history is erratic or not steady then at minimum have your work history and employment contact information available.