Your Credit Union strives to make the mortgage process as fast and easy as possible! The checklist below will outline the documents you'll need to pull out of your files while completing your mortgage application.

  W2s (earnings statements) for the last two years for borrower/co-borrower
  Latest pay stubs for borrower/co-borrower (one month)
  For self-employed or commissioned borrowers, personal tax returns for last two years

    with original signatures
  Corporate tax returns for last two years (with original signatures)
  If receiving Social Security, copy of Social Security award certificate 
Copy of pension/retirement award letter 
  If borrower is receiving or is obligated to pay alimony and/or child support payments,

     and wants the income considered as a basis for repayment of the loan.
       1. Divorce settlement agreement
       2. Verification of child support received for 12 months
 Original bank statements for the most recent three months
 Original stock and/or securities statements for the most recent three months
 If renting, name, address and phone number of landlord for last two full years' residence
 Fully executed sales contract with all addendums, upgrades and options attached
 Copies of all canceled checks used for any down payment
 Name, address and phone number for Homeowner's Insurance agent 
 Name, address and phone number for Title Company or closing agent
 Application and paperwork signed by the borrower/co-borrower
 Your $350 check for application fee

If you are refinancing your mortgage:

 Copy of your present mortgage company's statement or payment coupon
 Copy of your Owner's Title Insurance Policy
 Copy of your Survey
 Copy of your Warranty Deed
 Copy of your Homeowner's Insurance Policy
 Copy of your Flood Insurance Policy, if applicable

Call an expert in our Mortgage Department for more information at 800.477.6465, ext. 8560 or 561.624.8560 or email mortgage@ibmsecu.org