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Real Estate Loan Pre-Application Checklist

 

View and download the Pre-Application Checklist.

Thank you for your interest in financing with The County Federal Credit Union.

The following checklist details what information we request when you apply for a mortgage loan.

Please complete and sign your loan application and return it to us along with the applicable items from the list below.

This list may not be all-inclusive and additional documents may be required based on the specific circumstances of your request.

ITEMS NEEDED FOR ALL APPLICATION TYPES:

  • Complete signed real estate loan application
  • Copy of pay stubs for last 30 days for all borrowers
  • Copy of federal income tax returns including all schedules, W-2’s and other supporting documents for last 2 years
  • Copy of banks statements and/or quarterly investment statements for the most recent 3 months
  • Copy of additional income verification documents (i.e. child support or alimony)

MISCELLANEOUS ITEMS (IF APPLICABLE):

  • Copy of pension and Social Security award letter
  • Copy of divorce decree o Copy of bankruptcy documents – all pages including fling and discharge
  • Verification of any rental or investment income
  • Letter of explanation for any credit issues in the credit report
  • Landlord contact information including name, address and telephone number

ITEMS RELATED TO PURCHASE TRANSACTIONS:

  • Address of the property you are purchasing
  • Copy of purchase agreement; addendum and disclosures signed by seller(s) and buyer(s)

ITEMS RELATED TO REFINANCING TRANSACTIONS:

  • Copy of deed to the property
  • Copy of property tax bill
  • Copy of current homeowner’s insurance policy bill
  • Copy of current mortgage payoff statement

ITEMS NEEDED FROM SELF EMPLOYED BORROWER(S):

  • Copy of federal income tax returns (business and personal) including all schedules, W-2’s and other supporting documents for last 2 years
  • Personal Financial Statement

We look forward to assisting you with your financing needs.