NEFCU MortLoanApp

446767
GENERAL CONSENT FORM
I hereby authorize New England Federal Credit Union, the lender, to verify my past and present
employment earnings record, bank accounts, stock holdings and any other asset balances that are
needed to process my mortgage loan application. I further authorize New England Federal Credit
Union to order a consumer credit report and verify other credit information, including past and
present mortgage and landlord references.
I also authorize if required by the investor or mortgage insurance company a second soft pull credit
inquiry prior to closing. I understand a soft pull inquiry does not affect my credit score and is
intended for the sole purpose of completing my loan transaction and verifying that I have not
acquired any additional debt during the loan process.
The information the lender obtains is only to be used in processing my application for a mortgage
loan.
A photographic or FAX copy of this authorization may be deemed to be equivalent of the original and may be used as a
duplicate original.
Borrower
Date
Authorized Representative
Date
Co- Borrower
Date
Authorization to Release Information
 I authorize New England Federal Credit Union to release any information pertinent to my
mortgage application to any Realtors/Sellers/Attorneys involved in this transaction.
OR
 I do not authorize New England Federal Credit Union to release any information pertinent to
my mortgage application to any Realtors/Sellers/Attorneys involved in this transaction.
Borrower
Co- Borrower
Date
Date
04/28/15
Mortgage Checklist
Please use this checklist to identify the documentation needed to proceed to the next step in
your mortgage loan request.
For All Transactions:
 Copy of most recent paystub with year-to-date totals for each borrower
 Copy of last two years W-2 forms or 1099R’s (if applicable) for each borrower
 If self-employed, commissioned, or using rental income: copy of two years signed personal federal
tax returns including all schedules
 If business is an S Corp. or Partnership: copy of two years business tax returns with all schedules
and applicable K-1’s
 If using other sources of income:
o
o
Copy of Social Security, Retirement, and/or Disability Award Letter
Copy of Divorce Decree or Child Support Order
 Copy of two months complete bank/asset statements (only for accounts with other institutions)
 Copy of most recent retirement statements (all pages needed)
 If bankruptcy occurred in the last seven years: a complete copy of bankruptcy paperwork
 Copy of property tax bill on any owned property (even if you currently escrow with NEFCU)
 Copy of current mortgage statement on any owned property (if mortgage is with another lender)
For Purchase Transactions:
 Copy of the completed and signed Purchase & Sales Contract (and all addendums), including a
copy of the deposit check and the Multiple Listing Sheet, if available
 Name, address, and phone number of the Seller and/or Realtor
 Copy of property tax bill for subject property
 VHFA loans: copy of most recent three years signed personal federal tax returns
For Refinance Transactions:
 Copy of credit card or loan statement(s) if you are consolidating any debt as part of your refinance
 Copy of Declaration page for current homeowner’s insurance coverage
Additional documentation may be required by Underwriting.
04/28/15
Online Mortgage Application
Facsimile Transmission Cover Sheet
To:
Online Mortgage Group
From: _________________________________
Date:
_________________________________
Mailing Address:
New England Federal Credit Union
Attn: Mortgage Dept.
P.O. Box 527
Williston, VT 05495
Number of Pages Including Cover Sheet: ______
Regarding: Documents required for mortgage
loan in process
Phone: 866-80-LOANS
(866-805-6267)
Fax: 802-764-6556
 Please debit my account
Member # _______________ Type _____
for the amount of the appraisal fee
 Please charge my
 VISA or ❑MasterCard
account # _________________________
expiration date _____________________
for the amount of the appraisal fee
No funds will be withdrawn from your account or
charged to your Visa or MasterCard until you have
received your initial Truth in Lending disclosure.
________________________________________
Signature
Any additional information:
________________________________________
________________________________________
________________________________________
________________________________________
Confidentiality Notice: This fax message,
including any attachments, is for the sole
use of the intended recipient(s) and may
contain confidential & privileged information.
Any unauthorized review, use, disclosure,
or distribution is prohibited. If you are not
the intended recipient, please contact sender
and destroy all copies.