How do I get pre-approved for a mortgage?
Submit an application to begin the pre-approval process so we can assess how much you may be eligible to borrow based on your stated income, credit score, and assets. Once you provide the necessary documents to verify your income and assets, you will receive a pre-approval letter.
When you’re ready to apply, you’ll need to share information about your income, assets, debts, and credit history. The information requested may include:
- Government-issued ID
- Social Security Number
- Your two most recent pay stubs
- Your two most recent W-2s
- Your two most recent bank statements
- Recent 1099s if you’re self-employed
- Recent tax returns or other income documents, if needed
We’ll begin by looking at your current rate, monthly payment, remaining balance, and loan term. From there, we can help you compare available refinance options, possible payments, closing costs, and whether a new loan could support your goals.
We’ll let you know exactly what applies to your situation and how to upload everything securely. Once your application and documents are in, we’ll review the details, keep you updated, and guide you through the remaining steps toward closing. If you are not already a member, you’ll have to join the credit union before closing on the loan.
Have questions? Request a call back