Refinance Your Mortgage With

Refinance your mortgage with

What You’ll Need: Your Most Recent W-2 Tip: Talk to your employer’s Human Resources office for assistance.

One of the Following:

• Hourly or Salaried Employees: One full month of recent paystubs. Tip: Talk to your employer’s Human Resources office for assistance.

• Self-Employed: Two years - and all schedules - of business and personal tax returns AND a current year-to-date Profit and Loss Statement.

• Retired: The current year’s benefits award letter or bank statements reflecting the direct deposit for two recent months. Current Survey (optional) If you provide us with a copy of the current survey that is Bank Statements, Including Retirement Asset less than 15 years old, and no changes have been made to Statements the property, you will save $350 off your closing costs. If you Two recent months of statements, all pages included. do not have this, don’t worry! We will take care of getting a If you have accounts at multiple financial institutions, we current one, and the cost is already included. will request statements that reflect any account balance Tip: This can be found in your initial mortgage documents, or contact included in the application. your existing lender to obtain a copy. Tip: Print out your e-statements directly from online banking, or contact your financial institution to request hard copies. Printed Evidence of an Owner’s Title Insurance Policy (optional) screenshots will not be accepted. Title documents are not required, but providing them may help save you additional money on closing costs. Current Homeowner’s Insurance Tip: This can be found in your initial mortgage documents, or contact Declarations Page your existing lender to obtain a copy. Tip: Contact your homeowner’s insurance provider to obtain a copy.

Copies of required documents are accepted. Additional documentation may be required based on individual loans.

How to Apply: Online: Visit FAIRWINDS.ORG/MORTGAGE to complete your application in less than 20 minutes! In Person: Bring the required documents with you when you apply, and stop by your nearest branch to meet with one of our Real Estate Loan Officers.

Equal Housing Lender

Federally insured by NCUA. Membership open to anyone living or working in Central Florida. To join FAIRWINDS Credit Union, a one-time $5 Membership Share is required. See fairwinds.org/owner for details. FCU-386-38/011314