What to Submit With Your Home Equity Application

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1 What to Submit With Your Home Equity Application Thank you for your interest in our home equity loan or line of credit. All forms needed to apply are provided in this packet. Home equity loans are available only on your primary residence. If you have any questions, please call us at or and select option 6 for Real Estate Loans. Submit copies of the following documents: o Application o 2012 W2 and 2 most recent pay stub o Federal Tax Returns for 2010/2011 or 2011/2012 (if self-employed) Please include all schedules and sign the returns. o Property deed and last property tax assessment o Mortgage Note o Homeowners Insurance Certificate o Flood Insurance Certificate and Application (if applicable) Important Information Appraisal and Flood Certification Fees: These fees are required after the pre-approval of your loan or line-of-credit limit. If you are applying for a fixed rate loan, you must receive a Good Faith Estimate from the Credit Union before providing any fees. We require a 360 check or an authorization to debit your account. Appraisal fees may exceed 350 for higher valued homes. Homeowners Insurance Policy: The amount of coverage must be enough to cover all outstanding liens on the property. Congressional Federal Credit Union must be listed as a loss-payee on your homeowner s policy. Flood Insurance Policy: If your home is located in a flood plain as designated by the Federal Emergency Management Agency, FEMA, you must have flood insurance when borrowing from a federally insured financial institution. We require a copy of the Flood Insurance Policy along with a copy of your application for flood insurance. Your agent or insurance company should have a copy of the application. Congressional Federal Credit Union must be listed as a loss-payee on your flood policy and coverage must be adequate to cover the first and second mortgage loans. Settlement Settlement costs can be deducted from the proceeds of your loan or line of credit with the exception of the appraisal and flood certification fees. Please see Estimated Settlement Costs for details. Picture identification will be required at settlement.

2 1 TE AND COMPLETE Married Applicants may apply for a separate account. STATEMENT OF INTENT 2 CO- SPOUSE NAME (Last - First - Initial) DRIVER'S LICENSE NUMBER/STATE NAME (Last - First - Initial) DRIVER'S LICENSE NUMBER/STATE Application TICE TO OHIO S: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Individual Credit: Complete Applicant section. Complete Co-Applicant, Spouse, (referred to as "Other") section: (1) about your spouse if you live in a community property state (AZ, CA, ID, LA, NM, NV, T, WA, WI), or (2) if your spouse will use the Account. Please check box to indicate whom the information is about. Joint Credit: Each Applicant must individually complete the appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant box. Amount Requested Purpose: Repayment: Payroll Deduction Cash Automatic Payment Military Allotment Are you interested in having your loan protected? Yes No If you answer "yes", then the credit union will disclose the cost of this voluntary payment protection to you. A separate election which discloses the terms and conditions must be signed for protection to be effective. Referred to as "Other" Use "SAA" if information is "Same as Applicant" ACCOUNT NUMBER SOCIAL SECURITY NUMBER ACCOUNT NUMBER SOCIAL SECURITY NUMBER BIRTH BUSINESS PHONE/ET. BIRTH BUSINESS PHONE/ET. PRESENT ADDRESS (Street - City - State - Zip) PRESENT ADDRESS (Street - City - State - Zip) PREVIOUS ADDRESS (Street - City - State - Zip) PREVIOUS ADDRESS (Street - City - State - Zip) COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROTY STATE: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) LIST AGES OF DEPENDENTS T LISTED BY (Exclude Self) COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROTY STATE: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) LIST AGES OF DEPENDENTS T LISTED BY (Exclude Self) 3 NAME AND ADDRESS OF EMPLOYER NAME AND ADDRESS OF EMPLOYER EMPLOYMENT YOUR TITLE/GRADE SUVISOR'S NAME YOUR TITLE/GRADE SUVISOR'S NAME START HOURS AT WORK IF SELF EMPLOYED, TYPE OF BUSINESS START HOURS AT WORK IF SELF EMPLOYED, TYPE OF BUSINESS IF EMPLOYED IN CUR POSITION LESS THAN FIVE YEARS, COMPLETE PREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED IN CUR POSITION LESS THAN FIVE YEARS, COMPLETE PREVIOUS EMPLOYER NAME AND ADDRESS 4 MILITARY INCOME 5 REFERENCES Please include Street, City, State and Zip. STARTING WHERE ENDING/SEPARATION ENDING IS DUTY STATION TRANSFER EPECTED DURING NET YEAR TICE: EMPLOYMENT INCOME NET NAME AND ADDRESS OF NEAREST RELATIVE T LIVING WITH YOU RELATIONSHIP NAME AND ADDRESS OF SONAL FRIEND - T A RELATIVE Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered. GROSS INCOME SOURCE STARTING WHERE ENDING/SEPARATION ENDING IS DUTY STATION TRANSFER EPECTED DURING NET YEAR TICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered. EMPLOYMENT INCOME INCOME NET NAME AND ADDRESS OF NEAREST RELATIVE T LIVING WITH YOU RELATIONSHIP GROSS SOURCE NAME AND ADDRESS OF SONAL FRIEND - T A RELATIVE CUNA MUTUAL INSURANCE SOCIETY, 1991, 2003, ALL RIGHTS RESERVED Page 1 of 2 EST516 (LASER)

3 (CO-, SPOUSE) 6A ASSETS/ PROTY Check box for Applicant/Other. List all assets and account number(s)-- Attach other sheets if necessary. SHARE DRAFT OR CHECKING AMOUNT SAVINGS AMOUNT HOME* SHARE DRAFT OR CHECKING AMOUNT LIST HOME AND ALL ITEMS YOU AND LOCATION OF PROTY For Example: Auto, Boat, Stocks, Bonds, Cash, Household Goods, Real Estate, etc. SAVINGS AMOUNT MARKET VALUE PLEDGED AS COLLATERAL FOR ATHER LOAN 6B* This section must be completed for the property which will be given as security, if applicable. LIST EVERY LIEN AGAINST YOUR HOME A lien is a legal claim filed against property as security for payment of a debt. Liens include mortgages, deeds of trust, land contracts, judgments and past due taxes. FIRST MORTGAGE HELD BY LIENS (Describe) PRESENT BALANCE IS THE PROTY DESCRIBED IN THIS SECTION: YOUR PRINCIPAL DWELLING? LISTED AS THE 'S ADDRESS IN THE " " SECTION? IS ANYONE THAN YOUR SPOUSE A PART ER OF YOUR HOME? 7 DEBTS In addition to Rent/Mortgage list all other debts (for example, auto loans, credit cards, second mortgage, home assoc. dues, alimony, child support, child care, medical, utilities, auto insurance, IRS liabilities, etc.) Please use a separate line for each credit card and auto loan. Attach other sheets if necessary. 8 FINANCIAL These questions apply to both Applicant and Other. MORTGAGE (incl. Tax & Ins.) IF A "" ANSWER IS GIVEN TO A QUESTION, EPLAIN ON AN ATTACHED SHEET DO YOU HAVE ANY OUTSTANDING JUDGMENTS? HAVE YOU EVER FILED FOR BANKRUPTCY OR HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13? HAVE YOU HAD PROTY FORECLOSED UPON OR GIVEN A DEED IN LIEU OF FORECLOSURE IN THE LAST 7 YEARS? ARE YOU A PARTY IN A LAWSUIT? ARE YOU THAN A U.S. CITIZEN OR MANENT RESIDENT ALIEN? IS YOUR INCOME LIKELY TO DECLINE IN THE NET TWO YEARS? ARE YOU A CO-MAKER, CO-SIGNER OR GUARANTOR ON ANY LOAN T LISTED ABOVE? FOR WHOM (Name of Others Obligated on Loan): CREDITOR NAME AND ADDRESS ACCOUNT NUMBER LIST ANY NAMES UNDER WHICH YOUR CREDIT REFERENCES AND CREDIT HISTORY CAN BE CHECKED TOTALS ORIGINAL BALANCE TO WHOM (Name of Creditor): PRESENT BALANCE MONTHLY PAYMENT PAST DUE 9 SIGNATURES You promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on 'S SIGNATURE you. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA. If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter. SIGNATURE 10 CREDIT UNION LOAN OFFICER ADVANCE APPROVED: COUNTER OFFER WILL BE MADE, IF ACCEPTED, ADVANCE APPROVED CREDIT COMMITTEE OR OUTSIDE CONSIDERED: IF, ATTACH ADDITIONAL SHEET AND DESCRIBE APPROVED LIMIT DEBT RATIO REFERRED TO/REASON(S) FOR REFERRAL: DESCRIBE COUNTER OFFER: SPECIFIC REASON(S) FOR REJECTION: SIGNATURES: LOAN OFFICER CREDIT COMMITTEE ECOA TICE AND REASON FOR REJECTION SENT OR DELIVERED ON () BY (INITIALS) Page 2 of 2 EST516 (LASER)

4 U.S. House of Representatives Please complete the following form if any part of the requested loan proceeds will be used to purchase, construct, improve a dwelling or real property upon which the dwelling is located, or if the new loan proceeds will be used to payoff a loan secured by a dwelling. Information for Government Monitoring Purposes The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender s compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for Race. The law provides that a lender may not discriminate on the basis of this information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below. Applicant I do not wish to furnish this information Ethnicity Hispanic or Latino Not Hispanic or Latino Race American Indian, Alaskan Native Asian Black or African American Native Hawaiian or other Pacific Islander White Sex Female Male Applicant s Name and Address Co-Applicant I do not wish to furnish this information Ethnicity Hispanic or Latino Not Hispanic or Latino Race American Indian, Alaskan Native Asian Black or African American Native Hawaiian or other Pacific Islander White Sex Female Male Applicant s Name and Address Account Number Application Number Address: Mailing Address: P.O. Box 23267, Washington, D.C The Capitol Ford HOB Longworth HOB Rayburn HOB Oakton,Virginia (703) (800) 491-CFCU from Capitol Hill Fax (703) GMPM 0904

5 U.S. House of Representatives Insurance Request Disclosure Congressional FCU is pleased to announce that we can now offer you auto and homeowner s insurance through our affiliate insurance agency Credit Union Insurance Services. There is no cost or obligation to receive a quote it s just one more convenient and potentially money-saving option we provide to our valued members. As part of the process of providing you the requested quote for insurance, you authorize us to provide Credit Union Insurance Services information about your insurance, coverage, and loan application.. I would like to receive a free, no obligation insurance quote from Credit Union Insurance Services. I currently hold insurance with which expires on. insurance carrier s name month/day/year I currently do not have any insurance.. I am not interested in receiving a quote. Please provide the following information: Current insurance carrier Insurance renewal date month/day/year Anti-Tying Disclosure Regarding Sale of Insurance Credit Union Insurance Services is a partially-owned subsidiary of Congressional FCU, offering a wide range of insurance products and services. You may choose to request a quote for your insurance coverage from Credit Union Insurance Services, at your convenience. You may be contacted by an employee of Credit Union Insurance Services, who will offer you a free, no obligation quote to provide insurance coverage in connection with your loan. YOUR DECISION TO RECEIVE A QUOTE OR TO PURCHASE INSURANCE FROM CREDIT UNION INSURANCE SERVICES WILL T AFFECT THE APPROVAL OF YOUR LOAN. YOU MAY PURCHASE INSURANCE FROM ANY AGENT OR INSURANCE COMPANY OF YOUR CHOICE. If you have any concerns, questions, or complaints regarding this business relationship, you may contact Member Services at (703) , (800) 491-CFCU, or from Capitol Hill. The undersigned hereby acknowledges that the member(s) have read and received a copy of this disclosure. Member s Signature: Date: Member s Signature: Date: Address: Mailing Address: P.O. Box 23267, Washington, D.C The Capitol Ford HOB Longworth HOB Rayburn HOB Oakton,Virginia (703) (800) 491-CFCU from Capitol Hill Fax (703) ATD0406

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