The following information is required for ALL Borrowers:
- INCOME VERIFICATION-
- Please provide your most recent paystubs covering the last 30 days of employment
- W-2's from the past two years
- If self-employed, please provide your last two years personal and business tax returns.(all pages and all schedules)
If you are Purchasing a new home:
- ACCOUNT STATEMENTS-These are statements from the accounts from where your down payment and closing costs are coming from. If your checking & savings accounts are NOT with Envision Credit Union, please provide the most recent statement(s) and providing all pages.
- MORTGAGE STATEMENT(S)- if you own any other real estate please provide us your most recent mortgage statement on all properties showing the company name, account number, current mortgage balance and escrow balances.(if applicable)
If you are looking to refinance your existing home:
- MORTGAGE STATEMENT(S)- please provide us your most recent mortgage statement showing the company name, account number, current mortgage balance and escrow balances.(if applicable)
- SURVEY- please provide a copy of your most recent survey unless your loan is currently with ECU
- OWNER’S TITLE INSURANCE POLICY- Please provide us a copy of the owner’s title insurance policy from when you purchased the home
- HOMEOWNER’S INSURANCE DECLARATIONS PAGE- please provide a copy of your most recent Homeowner’s insurance. The information should include the insurance agent’s business and name, phone number, the dates of coverage along with the cost of coverage.