Please call our qualified Mortgage Originators for an appointment.
Anoel Kelly, Financial Service Manager; MLO #803606
877-378-6466 Ext. 111
Rob White, Underwriter/Collector; MLO #803701
877-378-6466 Ext. 115
Apply for a 15 year fixed Mortgage online Now»
The following is a list of the information you will need to bring with you when you return the completed application and would be helpful at the consultation:
Names, addresses, and account numbers for all creditors and depositors.
Pay stubs covering the most recent 30-day period.
W-2’s for the previous two years.
Federal tax returns (all schedules) for the last two years
Two months of the most recent bank statements, for non LCU accounts, for savings, checking, and investment accounts (including retirement accounts) not held at LCU. Please include all pages of your statements.
Copy of separation agreement/divorce decree to verify child support and/or alimony received, supply six months payment history.
Name, address, and telephone number of your current landlord or twelve months of cancelled rent checks.
Purchase offer, signed by all parties, and seller disclosure.
For a refinance also include:
The abstract of title, most recent survey map, paid tax receipts, a copy of homeowner’s insurance and endorsement page, a copy of current deed and a copy of the title insurance policy.
Currently the processing time to closing is approximately 8 weeks. The items listed above are required to process the loan and assure a timely closing.
Please advise us of which attorney, along with his or her phone number, you wish to use, as soon as possible. The credit union’s attorney is Robert Birch. His office can also represent you in this transaction.
or Apply for a 5/5/5 Real Estate Solution online Now
5/5/5 Mortgage Real Estate Solution
- As low as 2.75% APR* (variable)
- Minimum of $10,000
- Maximum of $125,000
- Term up to 15 years
- No Closing Cost, but member will pay the mortgage tax
- Maximum life of loan adjustment: 4.00%, maximum adjustment
- Reimbursement of Credit Union closing costs is required if the loan is paid off and discharged within the first 24 months.
- You may borrow up to 80% of the appraisal of your home less any other mortgage.
- Can only be first position lien/mortgage
- This is not revolving line of credit
*APR is the Annual Percentage Rate