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Use a trusted consigner The applicant also needs to be a citizen of the country he or she resides in and may need to provide documentation of this fact. It is also necessary to provide correct bank account information so the lender can deposit the money without delay or interruption. 4. Appraisal (May 26, 2011) – This was handled quickly and without much fuss. No one came to my house to do an appraisal. I assume the were able to do this online using comps from the area. We purchased this place with 20% initially, so I knew there would not be an issue on the refinance because the loan balance is still well under the value of the property…one of the benefits of living in Texas.