No, this is a common misconception about Refinancing.  Your existing Lender may not have the best rates and programs.  In most cases, your current lender  will require the same documentation as other companies. This is because most loans are sold on the secondary market and have to be approved independently. Even if you have made all your Mortgage payments on time, your existing lender will still have to verify assets, Liabilities, employment, etc. all over again.