HOME EQUITY LOANS WITH OAKLAND COUNTY CREDIT UNION. Speak to any of the Loan Officers listed below to learn how we may be able to save you money.

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1 HOME EQUITY LOANS WITH OAKLAND COUNTY CREDIT UNION Speak to any of the Loan Officers listed below to learn how we may be able to save you money. Waterford M-59 Branch Clarkston Branch Waterford/White Lake Branch 6655 Highland Road 6580 Dixie Highway 1375 N. Oakland Blvd Waterford MI Clarkston MI Waterford, MI Stephanie Lamas ext Lisa Murphy ext Theresa Grennier ext NMLS # NMLS # NMLS # Mary Jo Sullivan ext Robert Hornyak ext Martha Stewart ext NMLS # NMLS # NMLS # County Campus Branch Oxford Branch West Bloomfield Branch 1220 County Center Dr. W 968 N. Lapeer Rd Pontiac Trail Waterford MI Lapeer, MI West Bloomfield, MI Melinda Bouie ext Mary Pytel ext Melissa DeLisle ext NMLS # NMLS # NMLS # Daniel Riley ext NMLS #

2 Waterford/N. Oakland Blvd. Branch 1375 N. Oakland Blvd. Waterford, Michigan Phone: (248) Toll Free: (800) Website: OCCU NMLS# HOME EQUITY LOAN APPLICATION Thank you for your interest in Oakland County Credit Union s Home Equity Loan program. Please note homes currently under construction or renovation, land contracts, rental properties, vacant land, or homes used for business purposes DO NOT qualify for home equity loans with Oakland County Credit Union. AMOUNT REQUESTED: $ PROPERTY ADDRESS: CHOOSE ONE: 7 YEAR 10 YEAR 15 YEAR 20 YEAR EQUITY LINE VARIABLE-RATE LINE OF CREDIT APPLICANT SPOUSE CO-APPLICANT MEMBER NAME: OCCU ACCOUNT #: NAME: OCCU ACCOUNT #: CURRENT ADDRESS: YEARS THERE: CURRENT ADDRESS: YEARS THERE: CITY / STATE / ZIP: CITY / STATE / ZIP: HOME PHONE: CELL PHONE: HOME PHONE: CELL PHONE: SOCIAL SECURITY NUMBER: DATE OF BIRTH: SOCIAL SECURITY NUMBER: DATE OF BIRTH: DRIVERS LICENSE NUMBER: RENT/MORTGAGE PAYMENT: DRIVERS LICENSE NUMBER: RENT/MORTGAGE PAYMENT: EMPLOYMENT & INCOME EMPLOYER: DATE OF HIRE: EMPLOYER: DATE OF HIRE: POSITION: WORK PHONE: POSITION: WORK PHONE: GROSS MONTHLY INCOME (Include Copy Of Check Stub With This Application): GROSS MONTHLY INCOME (Include Copy Of Check Stub With This Application): OTHER INCOME: SOURCE OF OTHER INCOME: OTHER INCOME: SOURCE OF OTHER INCOME: AUTHORIZATION I AUTHORIZE THE CREDIT UNION TO MAKE INQUIRIES PERTAINING TO EMPLOYMENT, CREDIT STANDING AND FINANCIAL RESPONSIBILITY. MEMBER SIGNATURE: DATE: SIGNATURE: DATE: x x 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 leader 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. The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you 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 wish to not furnish this information, please check below. APPLICANT: I do not wish to furnish this information JOINT APPLICANT: I do not wish to furnish this information ETHNICITY: Hispanic or Latino Not Hispanic or Latino ETHNICITY: Hispanic or Latino Not Hispanic or Latino RACE/ NATIONAL ORIGIN: American Indian or Alaskan Native Asian Black or African American Native Hawaiian or other Pacific Islander White RACE/ NATIONAL ORIGIN: American Indian or Alaskan Native Asian Black or African American Native Hawaiian or other Pacific Islander White SEX: Male Female SEX: Male Female FOR CREDIT UNION USE ONLY: APPROVED REJECTED COUNTER OFFER CREDIT LIMIT / LOAN AMOUNT: $ REASON FOR REJECTION/COUNTER OFFER: MEMBER SERVICE OFFICER/CREDIT COMMITTEE:

3 County Campus Branch 1220 County Center Drive W Waterford, Michigan Phone: (248) Toll Free: (800) Website: OCCU NMLS# BORROWER S CERTIFICATION AND AUTHORIZATION CERTIFICATION The undersigned certify the following: 1. I/We have applied for a mortgage loan from Oakland County Credit Union. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and the source of the down payment, employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information. 2. I/We understand and agree that Oakland County Credit Union reserves the right to change the mortgage loan review process to a full documentation program. This may include verifying the information provided on the application with the employer and/or the financial institution. 3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section AUTHORIZATION TO RELEASE INFORMATION TO WHOM IT MAY CONCERN: 1. I/We have applied for a mortgage loan from Oakland County Credit Union. As part of the application process, Oakland County Credit Union may verify information contained on my/our loan application and in any other documents required in connection with the loan, either before the loan is closed or as part of its quality control program. 2. I/We authorize you to provide to Oakland County Credit Union, and to any investor to whom Oakland County Credit Union may sell my mortgage, and to the mortgage guaranty insurer (if any) any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income; bank, money market, and similar account balances; credit history; and copies of income tax returns. 3. Oakland County Credit Union or any investor that purchases the mortgage may address this authorization to any party named in the loan application. 4. A copy of this authorization may be accepted as an original. 5. Your prompt reply to Oakland County Credit Union, the investor that purchased the mortgage, or the mortgage guaranty insurer (if any) is appreciated. SIGNATURE / DATE SOCIAL SECURITY NUMBER SIGNATURE / DATE SOCIAL SECURITY NUMBER

4 NOTICE TO INQUIRERS AND LOAN APPLICANTS The rights described in this notice are set forth in and limited by the MORTGAGE LENDING PRACTICES, Public Act 135 of 1977 MCL Section 5. You have a right to submit a written application for a mortgage loan or a home improvement loan or to request written information concerning typical loan terms that we are currently offering on mortgage loans and home improvement loans. It is illegal to establish a minimum mortgage amount of more than $10, or a minimum home improvement loan of more than $1, It is illegal to deny a loan or vary the terms and conditions of a loan beacause of the racial or ethnic trends or characteristics of the neighborhood or the age of the structure, but not because of its physical condition. If your application for a loan is rejected, you have a right to a written statement of the reason for the rejection. If you are granted a loan but the amount required for down payment, the interest rate, term to maturity, application procedure, or other terms or conditions of the loan vary from terms or conditions offered in other neighborhoods, you have a right to a written statement of the reasons for the variation. If you believe that your rights under this act have been violated, you should contact the Department of Insurance and Financial Services. DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES OFFICE OF CONSUMER SERVICES POST OFFICE BOX LANSING, MICHIGAN Toll Free Phone: (877) Local: (517)

5 A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Avenue N.W., Washington, D.C You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your file disclosure ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: a person has taken adverse action against you because of information in your credit report; you are a victim of identity theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days. In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See for additional information. You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See for an explanation of dispute procedures. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to You may limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at OPTOUT ( ).

6 You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identify theft victims and active duty military personnel have additional rights. For more information, visit

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