HELOC/Home Equity Loan Application

USA PATRIOT Act Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

  • HELOC/Home Equity Application

  • Phone 860-291-0345
    Fax 860-282-5819
    Email: loans@afncu.com

  • NOTE AND COMPLETE

  • NOTICE TO OHIO APPLICANTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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 count 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 being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.

  • STATEMENT OF INTENT

  • If you answer "yes", the credit union will disclose the cost to protect your loan. The protection is voluntary and does not affect your loan approval. In order for your loan to be covered, you will need to sign a separate application that explains the terms and conditions.

  • APPLICANT INFORMATION

  • Applicant

  • EMPLOYMENT INFORMATION

  • INCOME INFORMATION

  • NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.

  • References

    (Please include Street, City, State and Zip)

  • OTHER

  • EMPLOYMENT INFORMATION

  • INCOME INFORMATION

  • NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.

  • REFERENCES

    (Please include Street, City, State and Zip)

  • ASSETS/PROPERTY

    Check box for Applicant/Other. List all assets and account number(s)

  • Applicant Information

  • Other assets e.g., Auto, Boat, Stocks, Bonds, Cash, Household Goods, Real Estate, etc.

  • Other Information (Co-Applicant, Spouse)

  • Other assets e.g., Auto, Boat, Stocks, Bonds, Cash, Household Goods, Real Estate, etc.
  • LIST EVERY LIEN AGAINST YOUR HOME -- This section must be completed for the property which will be given as security, if applicable.
    A lien is a legal claim filed against property as security for payment of a debt. Liens include mortgages, deeds of trust, land contracts, judgments and past due taxes.

  • DEBTS

    In addition to Rent/Mortgage list all other debts (for example, auto loans, credit cards, second mortgage, home assoc. dues, alimony, child support, child care, medical, utilities, auto insurance, IRS liabilities, etc.) Please use a separate line for each credit card and auto loan. Attach other sheets if necessary.

  • Applicant Information

  • Other Information (Co-Applicant, Spouse)

  • FINANCIAL INFORMATION

  • Applicant

  • Other (Co-Applicant, Spouse)

  • ADDITIONAL INFORMATION

  • SIGNATURES

  • You promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information in this application. If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter.
    You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received and for other accounts, products, or services we may offer you or for which you may qualify.
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