Preparing for Your Kitsap Credit Union Home Loan Application
Thank you for your interest in Kitsap Credit Union mortgage financing. Our experienced loan officers and loan processors have compiled the list below to help you anticipate what is needed to receive the quickest approval possible.
To help process your application faster, please bring:
For All Loan Types:
- $80 application fee for Refinance or Purchase ($500 application fee for Mobile/Land, Construction, or Co-housing loans.)
- W-2 forms for the last two (2) consecutive years;
- Most recent pay stub for each employed person to be named on the loan;
- Bank and investment statements for the last two (2) consecutive months on all non-Kitsap Credit Union accounts;
- A copy of your Homeowner’s Insurance Policy or Declaration page with your agent’s name and phone number;
- Statements for all loans to be paid off, including mortgages.
If Applicable:
- Purchase and Sale Agreement for purchases, signed by all parties;
- Rental agreements for all rental properties;
- Gift letter with verification of funds of donor;
- For refinance: indicate if current loan is FHA or VA;
- Copy of divorce decree and child support paid or received;
- Copy of bankruptcy documents;
- Copy of trust documents if property is held in trust.
For VA Loans ONLY:
- Water purity test for private well;
- DD214 for non-active duty; Statement of Service for active duty Veterans;
- Copy of Note and Deed of Trust for VA refinance;
- County Health approval of private septic system.
Additional for self-employed:
- Complete personal tax returns for the last two consecutive years;
- Complete business tax returns for the last two consecutive years;
- Most recent Year-to-Date Profit and Loss Statement.
Additionally, having your application completed before coming in will greatly facilitate the processing of your loan. Contact the Home Loan Center for more information at 360.662.2266 or toll-free nationwide at 1.800.422.5852. We would be happy to help. Kitsap Credit Union is an Equal Housing Lender
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