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COME TO THE CREDIT UNION FOR YOUR HOME MORTGAGE LOAN!
| The Credit Union offers various terms within it's mortgage program with the choice of a fixed or adjustable rate mortgage. The rates can change daily, so it's best to contact any one of our branch offices for the most current rates. Down payments will vary depending on the type of mortgage you choose...fixed or adjustable rate.
The Credit Union requires an appointment for pre-qualification and all pertinent information is needed at this time. Please see below for a listing of the information needed.
For your convenience, we have three locations to serve you. Please contact any one of our offices to schedule an appointment that works with your schedule!
New, Convenient Online Access for our Membership!
Do you already have a mortgage loan with us? Are you in the process of applying? We now offer online access for your mortgage loans. Get up-to-the minute rates, balances, account information and your application status simply by clicking on our link below!
CUC Mortgage Center
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MORTGAGE APPLICATION INFORMATION
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The following information is needed at time of application. An appointment is required. Please contact any one of our branch locations to schedule a convenient time.
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New Purchase*
1. Ratified copy of sales contract with any addendum.
2. Copy of listing, or information property.
3. Legal Description.
4. Copy of old location survey and/or lot dimensions.
5. Information on taxes, special assessments, front foot charges, homeowner?s association, etc.
*This information is normally supplied by the seller of Realtor.
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Refinance
1. Current mortgage statement or coupon book.
2. Year-end mortgage statement for previous year.
3. Title Search
4. Survey
5. Copy of taxes (Town, City, Village, School, etc.)
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Income Information
1. All employer's names and addresses for past 2 years, income data:
• Pay stubs (for current month)
• W2 forms (past two years)
• Tax returns (past two years)
– If you are self employed make sure to include Profit & Loss statement of taxes.
2. Proof of alimony or child support: if you would like it Considered (copy of decree or agreement.
3. Documentation of income from any other source (pension, social security, and rental income.)
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Assets
1. Bank/Credit Union Accounts: name, address and account numbers.
2. Stocks and bonds: copy of certificates, or broker statements; serial number of bonds.
3. Real estate owned: copy of deed, or sales or rental contract.
4. Year, make, model and approximate resale value of all autos, boats, campers etc.
5. Life insurance: face amount and approximate cash value. (Keep in mind, that these life insurance payments may be included in your monthly debt.)
6. Retirement information: type of plan and approximate amount.
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Liabilities & Established Credit
1. Current debts: name, addresses, account numbers, current balances, & monthly Payments. (If you are not liable for any current debts, please provide names, Addresses, account numbers, and dates paid of previous liabilities.)
2. Mortgage information: name, address, account number, current balance, monthly payment, and/or paid off date.
3. Rental information: Landlord?s name & address, and monthly payment.
4. Documentation of ALL required payments for alimony/child support (decree etc.)
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Contact our Main Branch Loan Department at 854-2458, our Harlem Road Branch at 835-6355 or our Orchard Park Branch at 675-5900 for current rates.
Your Credit Union is committed to protecting the privacy of its members. Regular non-encrypted Internet email is not secure. Messages sent via any department links from our website are not secure and should never contain any personal or sensitive information such as account numbers, social security numbers, passwords, etc. Our staff will never reply back to these email messages with confidential member information.
Email messages initiated through our Home Banking service, Virtual Branch, are fully secure through SSL.
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