HELOC Application

Before You Begin

Applying for a Baylands FCU loan online is a simple process and it will only take about five minutes of your time. The following are a few important pieces of information regarding the online loan application process:

  • Baylands FCU can only consider loan applications from members or those eligible for membership. If you choose to accept a loan from BayLands FCU, you will be required to become a member.
  • The online application requires information about the applicant and co-applicants income and debts.
  • After submission of your application, it will be reviewed by a Mortgage Lending Specialist and you should receive a response before the end of the next business day.

Application Agreement

By clicking the “Accept” button, you promise that everything you state in your application is correct to the best of your knowledge and that the following information is a complete listing of what you owe. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. 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. The Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit reports. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions insured by NCUA.

Review the HUD Fair Housing Statement

Review the CFPB Home Equity Booklet

Review the Home Equity Loan Initial Disclosure

To continue with your application, you will need to accept the above documentation

Getting Started

Primary Applicant

Applicant Personal Information

Applicant Previous Addresses (Back 2 years - Street, City, State, ZIP)

Applicant Employment/Income

Applicant Assets

Applicant Liabilities

Co-Applicant

Co-Applicant Personal Information

Co-Applicant Previous Addresses (Back 2 years - Street, City, State, ZIP)

Co-Applicant Employment/Income

Co-Applicant Assets

These Questions Apply to both Applicant and Co-Applicant

Finishing Up

Information For Government Monitoring Purposes

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For both ethnicity and race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)

Demographic Information - Applicant

Demographic Information - Co-Applicant

User Agreement

Everything that I have stated in this application is correct to the best of my knowledge. The Credit Union is authorized to check my credit, employment history, obtain a credit report and to answer questions about their credit experience with me. I understand that it may be a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of the United States Criminal Code.