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Applicant Information

Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.


Personal Information
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Contact Information
Current Physical Address
Property Address
Financial Information


Monthly Expenses


Upload Documents

Optional: To expedite the processing of your loan application, you may upload documents now. Document options include: Most recent paystub (all application types); Vehicle Registration and/or Title and Proof of  Insurance (for vehicle and home equity applications only).
Declaration
a. Are there any outstanding judgments against you?
b. Have you been declared bankrupt within the past 7 years?
c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
d. Are you a party to a lawsuit?
e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee?
f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If 'Yes,' give details as described in the preceding question.
g. Are you obligated to pay alimony, child support, or separate maintenance?
h. Are you a co-maker or endorser on a note?
i. Do you intend to occupy the property as your primary residence?
j. Have you had an ownership interest in a property in the last three years?
k. Have you any obligations not listed?
l. Are you a Co-maker, Co-signer or Guarantor on any loan?
m. Are you obligated to make Alimony, Support or Maintenance Payments?
n. Is the property securing this loan you are applying for currently for sale?

Demographic Information

Why we collect demographic information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.

Sex (select all that apply)

Ethnicity(select all that apply)

Race (select all that apply)

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Driver's License Scan

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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

To use this feature, click on the sample image above to either take or upload a photo. If you do not want to use this feature, simply click the “Done” button below to proceed.


Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Document Upload Source Selector

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Document Upload Button
Document Capture Button

Document Upload Source Selector

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Co/Joint Applicant Information

About Your Additional Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.


Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Contact Information
Current Address
Financial Information


Monthly Expenses


Upload Documents

Optional: To expedite the processing of your loan application, you may upload documents now. Document options include: Most recent paystub (all application types); Vehicle Registration and/or Title and Proof of  Insurance (for vehicle and home equity applications only).
Co/Joint Declarations
a. Are there any outstanding judgments against you?
b. Have you been declared bankrupt within the past 7 years?
c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
d. Are you a party to a lawsuit?
e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee?
f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If 'Yes,' give details as described in the preceding question.
g. Are you obligated to pay alimony, child support, or separate maintenance?
h. Are you a co-maker or endorser on a note?
i. Do you intend to occupy the property as your primary residence?
j. Have you had an ownership interest in a property in the last three years?
k. Have you any obligations not listed?
l. Are you a Co-maker, Co-signer or Guarantor on any loan?
m. Are you obligated to make Alimony, Support or Maintenance Payments?
n. Is the property securing this loan you are applying for currently for sale?

Demographic Information

Why we collect demographic information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.

Sex (select all that apply)

Ethnicity(select all that apply)

Race (select all that apply)

Co-Driver's License Scan

close
To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

To use this feature, click on the sample image above to either take or upload a photo. If you do not want to use this feature, simply click the “Done” button below to proceed.


Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Review and Submit

Review and Submit
Home Equity Loan Information
Additional Loan Information
Applicant Information
Applicant Contact Information
Address
Property Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Please answer the following question(s)
Do you want to set up an automatic payment transfer from a Freedom First account?*
Do you have Homeowners Association Dues?*
Please enter the monthly amount of your Homeowners Association Dues
Would you like a book of payment slips for making payments on your loan?*
Would you like to order checks to access funds on your equity line? Note - you can also transfer funds from your equity line into your Freedom First Checking Account within Online Banking and your Mobile app.*
I agree to Freedom First's Electronic Communications Consent which enrolls me in e-statements.*
Protection that Matters

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products

Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?

Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.

Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.

Would you like more information about protecting your loan with GAP from your lender?

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.

Would you like more information about Mechanical Repair Coverage from your lender?
Protection that Matters

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products

Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?

Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.

Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.

Would you like more information about protecting your loan with GAP from your lender?

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.

Would you like more information about Mechanical Repair Coverage from your lender?
Read, Sign and Submit

Your application is not complete until you read the disclosures below and click the "I Agree" button in order to submit your application.
By clicking on "I agree", you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. You agree to review all terms and conditions previously or subsequently provided to you and that if approved, use of the credit card or loan proceeds along with this application, will jointly constitute your acceptance of the same. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

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