This includes all financial and tax statements for the last three years and even something like a formal evaluation of the house.

Do you want to reduce your monthly mortgage payments? If you are struggling to make ends meet due to pay a higher monthly mortgage payment, you may want to consider an FHA Home Loan Refinance.
Many people simply allow the information to be dictated to them the first time around and not finish at all happy with the results.
For example, in addition to getting a home loan, you can have an interest only mortgage.

Keep a copy of your latest credit report at the time of loan application refinance.

Here is an example of a refinancing by typical brokerage unnecessary markup interest rates.