Home Equity Loan Application Westar Federal Credit Union can offer Home Equity Loans on a member’s Primary NYS residence only. Please call (315) 672-7827 with any questions. Step 1 of 4 25% Primary Borrower's Name(Required) First Middle Last Primary Borrower's Westar FCU Account Number. If not a member, type new member(Required) How did you learn of Westar Federal Credit Union?(Required) Type Of Home Equity Credit Applied For?(Required) Home Equity Line of Credit Westar FCU NMLS ID# 806577 Home Equity Westar FCU NMLS ID# 806577 Are you applying for Individual Credit or Joint Credit?(Required) Individual Credit Joint Credit / Co-Signer / Guarantor Add Secondary Borrower / Co-Applicant/GuarantorMARRIED APPLICANTS may apply for a separate account. A Credit Union may only extend direct credit to a member. Any Joint applicant for credit will be considered a guarantor or co-signer if such person is not a credit union member. Primary Borrower's must have their own Primary Savings Account for loans. Check the type of credit account you wish to apply for.*Will you have a Co-Applicant/Guarantor?(Required) Co-Applicant / Joint Member Guarantor / Co-Signer (What should I choose? Hover here for more details) If you are not financially strong enough to qualify for the loan on your own, choose Co-Applicant/ Joint Member. Both the Primary Applicant and Co-Applicant's credit report, income, and debt ratio will be considered. A Co-Applicant is equally liable for the loan. If you need to strengthen your loan application in order to qualify for a loan, choose Guarantor/Co-Signer. Having a Guarantor / Co-Signer on the loan gives the credit union a secondary form of repayment in the event the Primary Applicant defaults on the loan. The Guarantor / Co-Signer's Credit Score is not used to determine rates. Primary Borrower's Contact Information* Indicates Required FieldPrimary Borrower's Email(Required) Enter Email Confirm Email Primary Borrower's Phone(Required)Primary Borrower's Preferred Contact Method(Required) email phone Primary Borrower's Birth Date (mm/dd/yyyy)(Required) MM slash DD slash YYYY Primary Borrower's Drivers License #(Required) Primary Borrower's ID Issuing State(Required) AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State Primary Borrower's Social Security # 000-00-0000(Required)Your full social security number is required to process your application. Primary Borrower's Address(Required) Current Street Address City AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code How long have you lived at this address? MM/YYY(Required) Primary Borrower's Monthly Housing Cost(Required) Rent or Mortgage paymentOwn/Rent?(Required) Own - Taxes Are Escrowed In Mortgage Own - Taxes Paid Separately Rent Live with Parents Primary Borrower's Employment & IncomePrimary Borrower's Current Employer(Required) Primary Borrower's Hire Date(Required) Primary Borrower's Work Phone Number/Ext.(Required)Primary Borrower's Monthly Income(Required) Primary Borrower's Net/Gross?(Required) Net (after deductions) Gross (before deductions) Do you have any other income?You need not list income from alimony, child support or separate maintenance unless you wish it considered for purposes of granting this credit. Yes No Primary Borrower's Other Income Source: Primary Borrower's Monthly Amount for Other Income: Personal ReferencesFull Name of Relative Reference Not Living With You(Required) Related Reference Phone Number(Required)Full Name of Personal Reference Not Related To You.(Required) Personal Reference Phone Number(Required) Home Equity Property Information:Westar FCU NMLS ID# 806577. Westar Federal Credit Union can offer Home Equity Loans on a member's Primary NYS residence only. Please call (315) 672-7827 with any questions.Use our loan calculator to help estimate your monthly payments.Home Equity Loan Terms(Required)Please SelectUp to 60 months61-120 months121-180 monthsLoan Amount Requested(Required) Desired Monthly Payment(Required) Purpose of Home Equity Loan Proceeds(Required)Home ImprovementsRoofDebt ConsolidationCurrent First Mortgage Balance (Estimate)(Required) If loan proceeds are for Debt Consolidation, please list creditors you are considering refinancning with this home equiy loan. Physical Address for Primary Residence. Westar FCU can only offer Home Equity Loans on a member's primary residence.(Required) Street Address City AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Secondary Borrower, Co-Applicant or Guarantor*Indicates required fieldSecondary Borrower's Name(Required) First Middle Last Secondary Borrower's Westar FCU Account Number. If not a member, type new member. Any Joint Applicant for credit will be considered a guarantor or co-signer if such person is not a credit union member.(Required) Secondary Borrower's Email(Required) Enter Email Confirm Email Secondary Borrower's Phone(Required)Secondary Borrower's Preferred Contact Method(Required) email phone Secondary Borrower's ID Issuing State(Required) AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State Secondary Borrower's Drivers License #(Required) Secondary Borrower's Social Security # 000-00-0000(Required)Your full social security number is required to process your application. Secondary Borrower's Birth Date (mm/dd/yyyy)(Required) MM slash DD slash YYYY Secondary Borrower's Address(Required) Current Street Address City AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code How long have you lived at this address? MM/YYY(Required) Secondary Borrower's Monthly Housing Cost(Required) Rent or Mortgage paymentOwn/Rent?(Required) Own - Taxes Are Escrowed In Mortgage Own - Taxes Paid Separately Rent Live with Parents Secondary Borrower's Employment & IncomeSecondary Borrower's Current Employer(Required) Secondary Borrower's Hire Date(Required) Secondary Borrower's Work Phone Number/Ext.(Required)Secondary Borrower's Monthly Income(Required) Secondary Borrower's Net/Gross?(Required) Net (after deductions) Gross (before deductions) Do you have any other income?You need not list income from alimony, child support or separate maintenance unless you wish it considered for purposes of granting this credit. Yes No Secondary Borrower's Other Income Source: Secondary Borrower's Monthly Amount of Other Income: Loan Repayment OptionsHow would you like to repay the loan?(Required) Automatic Payment from Westar Savings Account Automatic Payment from Westar Checking Account Payment Booklet Requested Payroll Deduction / Pay the loan with Payroll Direct Deposit What date would you like for your payment due date?(Required) 5th of the Month 15th of the Month The Last Day of the Month Type Of Credit Insurance RequestedGroup Credit Insurance (optional)Group credit insurance is voluntary and not a requirement of your loan. Group Credit Insurance is not applicable to credit cards. Group Credit Insurance is not applicable to Guarantors. Assuming your application for credit is approved and you are eligible for insurance, the Credit Union will disclose its total cost to you. You will also be asked to sign the request for coverage contained on the Loan Note, Security Agreement and Truth-In-Lending Disclosure form. Indicate which credit insurance option(s) you desire:*Credit Insurance Requested for One Borrower(Required) No Credit Insurance Single Credit Life Insurance: I want this loan protected for my family in the event of my death. Single Credit Disability Insurance: I want this loan protected for my family if I become disabled. Select Group Insurance Option(s) for Two Borrowers(Required)Joint Credit Auto/MYC/Personal Unsecured/HE/HELOC Joint Credit Life Insurance: We want this loan protected for our family in the event of our death. Joint Credit Disability Insurance: We want this loan protected for our family in the event one of us becomes disabled. No Credit Insurance OHIO RESIDENTS ONLY- The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. WISCONSIN RESIDENTS ONLY: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan with your spouse. The credit applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.Signature For Wisconsin Residents Only Today's Date MM slash DD slash YYYY Application SignaturePrimary Borrower's Signature(Required) Today's Date(Required) MM slash DD slash YYYY Secondary Borrower's Co-Applicant/ Co-Signer / Guarantor Signature(Required) Today's Date MM slash DD slash YYYY CAPTCHAUntitledFirst ChoiceSecond ChoiceThird Choice Δ
