Mortgage Loan Center

Our lenders are on your team!

Choose 1st CCU, we'll guide you through the mortgage loan process from application to final closing. With our years of experience we can answer your questions and provide a free financial review and pre-qualification. When you're ready to get moving, our team is here to work with you and your real estate agent.
Apply for a home loan. 3d image of house. Barb Burnham, Molli Hundt, Michael Garcia

Meet Our Lenders!


Helpful Hints During The Mortgage Loan Process

family of parents and kids moving into a new home

Follow these tips to build a solid foundation for successful financing:

  • Do not open or apply for any new Installment loan accounts of any type
  • Do not open or apply for any new credit cards
  • Do not exceed your existing credit card high balance limit
  • Do not increase existing credit lines
  • Do not close any of your existing unused credit cards
  • Any credit report inquiries made may result in a drop in your credit score. This would include cell phone, cable/satellite service, credit card of any type, car loan, bank overdraft protection, bank loan, etc. Do not apply for any type of credit during this mortgage process
  • Any inquiries made into your credit that are not shown on the original credit report must be explained in writing to prove that no new debt has been incurred
  • Credit card balances can, and will, affect your credit score. The amount owed on your credit card compared to the available balance is a determining factor of your credit score. Do not pay off your balance or add to your balance without consulting your loan officer first. A small change in the percentage owed may affect your score.


Documentation You Will Need When Applying For A Mortgage Loan

house and Sold sign The documents your loan officer requires will vary, but may include:

  • A purchase contract, if you have one, for the home you wish to buy
  • Social Security numbers or individual taxpayer identification numbers for borrowers
  • Home address(es) for the past two years
  • Account numbers and balances of checking, savings, retirement, and credit card accounts
  • Address of your financial institution
  • Checking and Savings account statements for past 2-3 months
  • Recent pay stubs, W-2s, or other proof of employment and income verification
  • Federal income tax returns for past two years
  • Other income you receive (child support orders, Social Security award letters, etc)
  • Balance sheets and tax returns if you are self-employed
  • Divorce settlement papers if applicable
  • Cancelled checks for rent or utility bill payments to show payment history and amount of revolving debt
  • Information on other consumer debts (credit cards, car loans, furniture loans, student loans, etc)
  • Gift letters, if you are using gifts from relatives or organizations to help cover down payment or closing costs. Letter must state that the money you received is a gift and will not have to be repaid
 
See what other home buyers are saying about 1st Community Credit Union's Mortgage Experts:
  • We are very grateful to Barb for the excellent customer service she provided, and for the knowledge and expertise she brought to the table as we recently purchased our first home. From the day we were pre-approved to the day we closed, the process was seamless: efficient, simple and best of all, no surprises!  Submitted by Justin and Anna
  • Michael was great to work with. He helped me when no other financial would. He explained everything in great detail and made sure we stayed on task. Now, because of him I am going to build my dream home on my own little piece of heaven!  Submitted by Matt
  • Molli was amazing to work with! She is very professional and knowledgeable. Communication with Molli was very prompt, she always got back to me in a timely manner. She always greeted me with a smile and made me feel as though I was a top priority. She definitely knows what she is doing and is very good at it. If you are looking for a Mortgage Loan Officer I would highly recommend Molli Hundt!   Submitted by Samantha
  • We love working with Barb Burnham. It has always been a pleasure. She is very prompt with responses to all our questions and is extremely helpful. Thank you Barb!   Submitted by Chris & Tegan
  • I am a Realtor, and Michael has been great to work with. I can send him buyers knowing that he will help them through the loan application and pre-qualification process in a very professional manner.  Submitted by Eric
  • I strongly suggest working with Molli on all your housing needs! She is a great lender, is always there to help and answer any and all questions, and works quickly!  Submitted by Kayla