Please call 607-547-5700 for application, details, and current rates.
Home Equity Line of Credit:
|Home Equity Line of Credit|
|Home Equity Variable Rate||Term|
|Up to 80% LTV||180 months
||Call for current rates|
|Fixed Rate Home Equity Line of Credit|
Borrow up to 80% less first mortgage payment of your home's equity!
|Home Equity Fixed Rate||Term|
|Up to 80% LTV||180 months||Call for current rates|
Please call our qualified Mortgage Originators for an appointment.
Coordinator of Lending Services
NMLS ID #2145202
877-378-6466 Ext. 105
Rob White CCUFC
Assistant Credit Union Manager/Director of Operations
NMLS ID #803701
877-378-6466 Ext. 115
Credit Union Manager
NMLS ID #803606
877-378-6466 Ext. 111
Coordinator of Special Projects
NMLS ID #1180686
877-378-6466 Ext. 114
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.
Rates Effective: *** CALL FOR RATES, PROGRAMS AND DETAILS***