Required Documents for Mortgage Pre - Approval

When you are ready to apply to get pre-approved for your mortgage financing, please have as many of the following items available as possible.

  1. The last 2 months of bank statements showing the source of down payment.
  2. W-2 forms for the previous two years and a recent paycheck stub(s) (covering a 30 day pay period) reflecting year to date earnings.
  3. If divorced, please provide copies of recorded divorce decree/child support order.
  4. If self-employed, borrowers must provide complete tax returns with all appropriate schedules for the previous two years along with year-to-date profit and loss.

Condominiums

If the property being purchased is a condominium, you will need to discuss whether or not the condominium project is approved or can be approved by the Credit Union before applying.

Refinancing

If you’re refinancing an existing mortgage, please also bring your most recent mortgage loan statement, your most recent Homeowner’s Insurance Policy, and real estate tax bill.

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Meet Our Mortgage Team

If you have questions, we’re here to help! Our friendly Mortgage Professionals will guide you through the process to make sure you secure the right rate and term for your individual financial situation.

Contact one of our team members by emailing mortgage@uoficreditunion.org, calling 217-278-7700, or submitting an information request form.

Mortgage Team

 

We always recommend that you contact an attorney before you enter into any agreements. We also recommend the use of a qualified and licensed Realtor/Broker when buying or selling real estate.

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