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Home Equity Loan Information
Home Equity Loan
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Applicant Information
Tell Us About Yourself
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Contact Information
Current Physical Address
Property Address
Identification
Financial Information
Monthly Expenses
Upload Documents
Please review the checklist for your specific loan request. You can upload documents directly into your application to expedite the process. Personal Loan, Vehicle Loan, Home Equity Loan
Expected Monthly Expense
Declaration
a. Will you occupy the property as your primary residence?
b. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?
c. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application?
d. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?
e. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?
f. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)?
g. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
h. Are there any outstanding judgments against you?
i. Are you currently delinquent or in default on a Federal debt?
j. Are you a party to a lawsuit in which you potentially have any personal financial liability?
k. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
l. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?
m. Have you had property foreclosed upon in the last 7 years?
n. Have you declared bankruptcy within the past 7 years?
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
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Co/Joint Applicant Information
About Your Additional Applicant
SSN IconLock
SSN IconQuestion
Contact Information
Current Address
Identification
Financial Information
Monthly Expenses
Upload Documents
Please review the checklist for your specific loan request. You can upload documents directly into your application to expedite the process. Personal Loan, Vehicle Loan, Home Equity Loan
Co/Joint Declarations
a. Will you occupy the property as your primary residence?
b. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?
c. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application?
d. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?
e. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?
f. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)?
g. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
h. Are there any outstanding judgments against you?
i. Are you currently delinquent or in default on a Federal debt?
j. Are you a party to a lawsuit in which you potentially have any personal financial liability?
k. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
l. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?
m. Have you had property foreclosed upon in the last 7 years?
n. Have you declared bankruptcy within the past 7 years?
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Review and Submit
Review and Submit
Home Equity Loan Information
Additional Loan Information
Applicant Information
Applicant Contact Information
Address
Property Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Read, Sign and Submit
You are now ready to submit your application! By clicking on "I agree", you certify that you and the co-applicant (if applicable) intend to apply for joint credit. You authorize us to verify the information submitted in the application. This includes but is not limited to, obtaining credit reports, employment and income documentation and other information that may be necessary as part of the verification process. You certify that the information you are submitting is true and correct to the best of your knowledge and acknowledge that we will retain the application and any information obtained as part of the verification process.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
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We're sorry you have declined to use our automated prequalification system. If you prefer, please come to our offices to apply or call our Consumer Loan Department and a loan representative will be happily ready to assist you.
If you decide you would like to go through our instant decision process, please click on the following link to return to your application summary page and submit the application for decisioning.
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