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Can I get copies of checks from a past refinance?

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

  • When refinancing at a higher rate makes sense

    Trade your old mortgage for a new, higher-rate version? There are times when it actually makes sense.
  • Should I pay off a mortgage early?

    By making extra principal payments or refinancing your mortgage, you could pay a lot less interest and free yourself from your mortgage ahead of schedule. Here are the pros and cons of retiring your mortgage early.
  • How does a refinance in 2017 affect your taxes?

    After a mortgage refinance, there are some specific "dos" and "don'ts" you need to know prior to filing your income taxes, as well as a few pointers that can help you lower your tax bite.

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