See how UCCU can help with your mortgage!
United Consumers Credit Union is here to best serve its members. We will help you through each step of your loan application process. And once your loan is closed, we service your loan for the life of the loan. Your mortgage won’t bounce from servicer to servicer. You will always know where to send monthly payments, which helps you avoid potential late fees or even escrow issues.
Call us: 816-325-6900 or 800-580-9303
GET STARTED
Start your application to get prequalified. Create an account and save your progress as you complete each step.
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Add to or complete an existing saved application or upload documentation.
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Check out UCCU's competitive loan rates.
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Paving a Smooth Path to Homeownership
STEP 1: FIND A LENDER- SEE US FIRST!
When it’s time to decide on the right loan for you, we've made this an exercise in speed and ease. You also want to begin gathering information you'll need to apply. Other factors affecting the loan you choose include insurance information and your down payment.
Once you're ready just answer a few questions and we'll provide you with a variety of loan options to help you decide.
Getting Started
Now is the time to find and organize some basic documents before you start looking for a loan. Collect all the information listed below in one spot and you'll be ready to go on the next step.
Here's What You Need:
- Your name, current address, social security number
- Name(s), and work number(s) of employer(s) for the past two years
- Monthly income for you and your co-borrower (most recent pay stub(s) with year-to-date income) includes bonuses, commissions and overtime income for the past two years (this information is on your tax return)
- If you are self-employed, you will need the last two years' tax returns for the type of business you own: Sole Proprietorship (Schedule C), Partnership (From 1065), or Corporation (Form 1120 or 1120s).
- In addition, the last two years' personal tax returns (including K-1s)
- Documentation to support credit history problems (if applicable), which can be a written explanation of late payments, bankruptcy (petition and discharge papers), defaults, judgments, and/or liens.
Know Your Assets
Coming up with the amount of money you need to secure the home and the loan you want can be a big hurdle for some potential homeowners. Speaking with one of our loan officers regarding your projected down payment can give you a clear picture of loan options that may work for you.
STEP 2: PRE-QUALIFICATION
When you find your dream home, you can present the seller with your pre-qualification letter, showing them that not only are you serious about buying their house. It could make the difference between getting the house you want or watching some other bidder step in with a pre-qualification and snatch that house away. Pre- qualifications are good for 120 days and depend on the appropriateness of the property you want to purchase. Fees, like credit reports may apply.
STEP 3: FIND A HOME
Where you live influences every aspect of your daily life. Take your time; think about schools, shopping, traffic, proximity to work, parks, coffee shops, restaurants and the like.
It helps to know the rules of the neighborhood you are interested in such as covenants, tax rate, crime rate, zoning and natural hazards. Make a list of all the things you want in a home and talk with a real estate agent who can help you find the home of your dreams.
STEP 4: MAKE AN OFFER
You've found a house you love. It has the perfect living room, or that playroom you've always wanted for kids. But it's not yours, yet. First you have to make an offer, in writing, and submit it to the sellers. This is usually done through your agent and is accompanied by your earnest money, which is a pre-determined amount of money, demonstrating that your offer is “in earnest”. Follow the advice of your agent when deciding how best to make your offer.
STEP 5: CLOSING
Prior to closing you will receive a detailed list of closing costs and how much money you will need to bring to the closing table. To close the deal on your house you will meet with a representative of the title company who is handling your loan. Once paperwork is signed and the title is recorded, ownership will transfer to you.
At UCCU, every step you take brings you closer to living your dreams. Join us!
From lower loan rates to lower fees, when you get a mortgage loan through United Consumers Credit Union, you’ll enjoy more savings and our exclusive "member-first" treatment from our experienced and caring team.
We work hard for the hard working!