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Santa Ana
CA
92705

(888) 354-6228

Orange County Credit Union provides a broad range of banking products and services like checking, savings, loans, and investments for every season of life. Through our blog, our aim is to equip readers with helpful advice that will enable them to reach financial goals.

Prepare Your Finances Before Buying Your First Home

Articles

Welcome to the Orange County's Credit Union blog - Simple Banking.  It’s been said, that people who bank at credit unions feel financially empowered. Whether it’s one-on-one conversations or free financial educational workshops, at the Credit Union, we’re with you all the way.

We put people first. We’re here to listen. To answer your questions. To provide you with the information you need and to help you make informed decisions. We won’t try to sell you something you don’t need. 

It’s about what’s in your best interest.

Anyone who lives or works in Orange County, Riverside County & the neighboring communities of Long Beach, Lakewood, Cerritos, or Signal Hill, CA can bank with us. Membership is $5. Federally insured by NCUA

The appearance of external hyperlinks does not constitute endorsement by the Orange County’s Credit Union of the linked sites.

Prepare Your Finances Before Buying Your First Home

Sandra Diaz

Thinking about buying your first home? To make the pre-approval process seamless, assemble these financial documents then give us a call at (888) 354-6228 ext. 7500:

  • Your credit report. Obtain a copy as early as possible and scour it for accuracy. If time permits, pull your credit report three months before you seek pre-approval so you have time to rectify any unexpected issues or mistakes. Each major credit bureau must provide one free credit report annually to consumers requesting a copy. To obtain a report visit annualcreditreport.com or call (877) 322-8228.
  • W-2 forms. Make copies from the past two years.
  • Paystubs. Copy your two most recent ones.
  • Financial account statements. Collect statements (including retirement accounts) from the past few months.
  • Information on vehicles you own. Include make, model, and resale value.
  • Credit card account information. Include numbers and types of cards, balances and minimum payments.
  • Auto-loan account information. Include account numbers and statements.
  • Other loan account information. Think student loans and personal loans.
  • Gifts. If you’re fortunate enough to have any money for your down payment gifted to you, identify how much and where it will come from. Be prepared to document that it’s a gift and not a loan.

Once you have all your documents and personal financial information assembled, you’re ready to get pre-approved at Orange County’s Credit Union.

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