Applying for a Mortgage

JHFCU strives to make the mortgage application process easy, with an emphasis on explaining options. To start the process, call one of our Mortgage Lending Specialists at 410-534-4500 x740 to discuss your situation and available options.

Documents You Will Need

All applicants:

  • 2 years’ personal tax returns and 2 most recent months’ asset statements

If employed:

  • 2 most recent pay stubs 
  • 2 most recent W-2 forms 

If retired:   

  • Most recent pension check stub if available
  • Account statement with direct deposit of pension and/or social security shown
  • Past years’ 1099 tax statements for pension and social security
  • Your most recent social security award letter

If self-employed:

  • 2 years’ business tax returns

If purchasing:

  • Copy of sales contract 
  • Copy of deposit check

 If refinancing:

  • Copy of homeowners’ insurance declaration page 
  • Copy of owners’ title insurance if available 
  • Copy of a recent statement for the existing mortgage(s)

*JHFCU may require more documentation during the application process