Required Documents

Before you start your loan pre-qualification process, you will need the following documentation for your loan officer to review.

General Documentation:

• 30 days worth of paystubs dated within 30 days of your application date (*GCEFCU cannot use direct deposit information for mortgage applications)
• 2 years worth of W2s, 1099s, etc.
• 2 years worth of tax returns (if self-employed, collecting rental income, or required by loan officer)
• Documents reflecting retirement income or benefits being collected (award letters, 1099s, statements, etc.)
• 2 months worth of bank statements from the account(s) you are seeking use for closing cost/down payment
• 2 forms of valid government identifications

New Mortgages:

• Copy of your contract
• Copy of earnest money check
• Proof of earnest money check clearing your account (once available)

Mortgage Refinances & Home Equity Loans:

• Most recent mortgage statement (if applicable)
• Deed of Trust(s) on your home(s) (if applicable)
• Current homeowners, windstorm, and/or flood insurance policies for each property owned

Miscellaneous:

• If you own more than one property, please provide the mortgage statement, insurance policies, and/or rental agreements (if applicable)
• If you have student loans in deferment please provide documentation on the terms or your student loan(s).

Miscellaneous Forms

Once you have started your mortgage loan process, you may be required to submit additional forms. The most commonly requested forms are listed below:

• Welcome Packet – New Mortgage
• Welcome Packet – Mortgage Refinance
• Payoff Request
• Appraisal Order Form
• AVM Order Form
• Refinance Quote Sheet
• Change of Address Form

Real Estate Calculators

Mortgage Payment Calculator
Comparing mortgages (i.e. 15, 20, 30 year).
How much home can I afford?
Should I refinance my home?
Should I pay discount points?
How much of a down payment should I make on my new home?
Should I make extra payments on my mortgage?

Homeowner’s Insurance

The best way to protect your home from unexpected losses and damage is through homeowner’s insurance. Gulf Coast Educators Insurance Services, LLC is a subsidiary of GCEFCU, and available to provide you with the best homeowner’s insurance quote, whether you are buying a new home, refinancing, or simply shopping for a cheaper rate.

Contact Us