Log In  |  Contact Us  |  Help
Required Documents

Additional Information Requirements 

APPLICANTS – Items listed below are not required in order to issue a Loan Estimate however they are required for loan approval for all real estate loans.

  • INCOME VERIFICATION:
  • Two most recent year to date pay stubs for all borrowers, if paid weekly need 4 paystubs.
  • Copy of your last two years’ W2’s
  • Copies of your last two years’ federal tax returns signed and dated including all schedules. 
  •  
  • IF YOU ALSO CLAIM OTHER INCOME:
  • Rental agreements and signed, dated copies of your last two federal tax returns, including all schedules.
  • Corporate Tax returns, S Corporation including K1’s and Partnership returns.
  • Social Security award letter and most recent 2 years 1099.
  • Retirement award letter and most recent 2 years 1099R.
  • Interest income and note income require last two years’ federal tax returns, signed and dated. Including most current 2 months of bank statements.   
  •  
  • ASSET INFOMATION:
  • Copy of most recent 2 month Bank statements for all accounts listed on application. 
  •  
  • IF YOU CURRENTLY HAVE ANY REAL ESTATE LOANS:
  • Most recent mortgage statement or payment coupon on all real estate loans for existing 1st and 2nd Mortgages (if applicable)
  • If you have solar attached to the home we need a copy of the Solar Note or Lease Agreement. All solar liens will need to be paid off, removed or subordinated.
  •  
  • PROOF OF INSURANCE IS REQUIRED:
  • Homeowners Insurance Policy including rental properties. (max deductible is $1,000)
  • Flood Insurance Policy. 
  •  
  • IF YOUR PROPERTY IS IN A TRUST:
  • A copy of the Certification of Trust is required for the title company. We can't vest any of our real estate loans in trust.  Title will require the certification  if you want to record back into a trust.  

IN SOME CASES WE MAY ALSO NEED OTHER INFORMATION.  OUR PROCESSOR WILL NOTIFY YOU IF ANYTHING FURTHER IS NECESSARY.  FEEL FREE TO CONTACT OUR OFFICE AT ANY TIME.

***DURING THIS PROCESS, PLEASE CONTINUE TO MAKE ALL REQUIRED LOAN PAYMENTS TO ANY ACCOUNTS THAT YOU MAY BE PAYING OFF WITH THE PROCEEDS OF YOUR NEW LOAN. DO SO UNTIL YOU ARE CERTAIN THE BALANCES HAVE BEEN PAID IN FULL. ***

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

OK

Calculate Payment
Loan Amount:
$

GO

Program
Rate
APR
Payment
Apply Now
Select a loan application:

GO

First U.S. Community Credit Union NMLS #440466
580 University Avenue, Sacramento, CA  95825
Toll Free:  (800) 556-6768
re@firstus.org
Copyright © 2018 First U.S. Community Credit Union
Privacy Policy  | Security Statement  |  Site Map