Mortgages

solutions
that can make a difference

VacationLand Federal Credit Union is here to answer any
questions you may have about home mortgage loans. 

At VacationLand Federal Credit Union, we realize buying a home
is one of the most important decisions that you will make. Our
Mortgage Loan Originators will explain everything you need to get
started and assist in choosing the right mortgage for your fi nancial
situation. Whether it’s your fi rst home or your fi ftieth, our Mortgage
Loan Originators can help make buying your home a breeze. We
offer our members a full array of mortgage solutions.

Let our Mortgage Loan Originators walk through the application
process with you. They’re with you every step of the way, from
obtaining a pre-approval letter to sitting next to you at closing
time. It is their goal to make the entire home-buying process more
comfortable, more personalized, and more affordable for you.

First Step

Being prepared is the fi rst step in easing the stress of buying or
refi nancing your dream home. Following is a convenient checklist of
what you will need:

 Property Legal Description
 Sales Contract executed by buyers and sellers on a purchase
 For refi nances, Title Policy and Survey from prior closing packet
 Verifi cation of income:
 One month’s current pay stubs
 Statement of social security/pension
 Child Support Statements
 Last 2 years Federal Tax Returns with W-2’s
 (if self employed, last three years)
 Tax Returns with all Schedules
 List of Creditors on all open accounts
 Current Balances to those Creditors
 Monthly Payments to those Creditors, with Account Numbers
 Last Three Monthly Statements from your fi nancial institution
 holding funds for down payment and closing costs
 Written explanations of any credit issues, such as:
 Bankruptcy discharge papers
 Paid Charge Offs
 Late Payments
 Second Step

The next step is choosing the best mortgage option to suit your
particular fi nancial needs. Our Mortgage Loan Originators
will explain your options and ensure you are well educated and
completely comfortable with the decisions you make.