This page includes all of the personal loan applications and documentation you will need to provide so we can verify your financial information. We understand this is a lot to gather. Please take your time, and only submit your package once you have all documents. The faster you provide all documentation, the faster we can move forward.

Once we receive your complete package, we will provide an indication of the interest rate you can expect to receive. Your package will be submitted to the Loan Committee for review within 1-10 days.

Requirements for all applicants

Personal Financial Information

*Note: Unless assets/income are sole and separate, spouses will need to initial and sign the joint intent on the application, as well as sign the personal financial statement.

Requirements for specific loans

Required for regular consumer loans (not real estate)

Required for HELOC

Required for real estate, bridge, and construction loans

  • Universal Credit Loan Application | Download to print or complete this form electronically with Adobe Acrobat PDF Reader.
  • Appraisal Notice (permission to conduct appraisal) | Complete this form securely online or download this form
  • Take-out letter from mortgage lender
  • Legal description of the property & Purchase Agreement
  • Copy of construction contract/plans and specs, cost estimate, fixed price construction contract, and permit
  • Proof of liability/hazard insurance, including course of construction coverage
  • Copies of receipts for any prepaid construction costs
  • Appraisal report and title

Required for personal trusts

  • If personal assets are held in a living trust, please provide Certificate of Trust or copy of Trust Agreement
  • If trust files a separate tax return, please provide a copy of the last three years’ federal tax returns including all schedules and K-1s
  • Current trust financial statement

Additional resources for reference