What to ask the refinance loan officer?

Your question if very broad. What are you wanting to know? How to start?

Call a mortgage broker and go through an application. From there, if you qualify, they will give you instruction on all of the necessary documentation you will need to provide.

the first question you need to ask your loan officer is this: "how are you?"
next, you ask "will you be able to help me refinance my loan, based on what i am about to tell you?"

absolutely do not open your conversation with "what is today's rate?"

What do need from me to get the refinance done?