What documents do I need to apply for a home loan?

• Proof of Income (1 months’ worth of current paystubs within the last 30 days); or if Self-Employed you may need to provide your last 2-years of Federal Tax Returns (including all schedules) and an unaudited current YTD Profit & Loss Statement, along with two Business Bank Account Statements for the final 2 months on the current YTD Profit & Loss Statement.
• Prior year’s W2(s) for all borrowers
• Valid driver’s license or government issued photo ID
• Proof of Homeowners Insurance
• Two months of financial statements, including all pages, for savings, checking, money market and CD accounts (1st Mortgage only).
• If buying a home, a copy of the purchase agreement signed by both buyers and sellers.
• Mortgage information – a statement for any mortgages currently against the property (if refinancing)
• An appraisal of your home may be required. If required, payment will be due prior to ordering the appraisal.

If you are not currently a member, please also bring:

• Proof of current address. If current driver’s license or government-issued ID does not match current address. One of the following is also required:
  • Utility or telephone bill
  • Bank statement
  • Vehicle or voter registration