Neighborhood Mortgage Solutions

At Forest Area Credit Union (FAFCU), we strive to make your home mortgage process as quick and easy as possible. That’s why a dedicated Mortgage Loan Officer (MLO) will be assigned to work with you one-on-one to offer advice, answer questions and guide you through the process.

Make an appointment at your nearest branch to get started.

Benefits to having a Mortgage from FAFCU:

What To Expect
At Forest Area FCU, we strive to make your home mortgage process as quick and easy as possible. That’s why a dedicated Mortgage Loan Officer (MLO) will be assigned to work with you one-on-one to offer advice, answer questions and guide you through the process. Each transaction is unique but generally follows this process: 1. Complete a pre-approval application
2. Start planning
  • Use your pre-approval to find your dream home or make plans to maximize your refinance.
3. Lock in your interest rate
  • Gain peace of mind knowing your rate has been locked in.
4. Keeping it official
  • Forest Area FCU will fully underwrite your application, order a real estate appraisal and title work as necessary.
5. Getting close to closing
  • A final review is conducted and any final items needed are addressed
6. The mortgage loan closing
  • Your Mortgage Loan Officer will schedule a closing appointment and make your new home purchase or refinance a reality
Please note: Every mortgage is different. This step-by-step outline is a general guide of what you can expect during the mortgage process. Timelines, required documentation, etc. may vary. Call us at (231) 879-4154, visit your nearest branch or visit forestarea.com/mortgages to get started.
Providing the following items with your application will make the process quick and easy!
  • Driver’s license: copy from each borrower
  • Pay Stubs and W-2 forms: pay stubs covering the last 30 days with year to date information and W-2’s for the prior two years
  • Property Information: address & property type
  • Bank Statements: two months
  • Most recent mortgage loan statement (refinance transactions)
  • Executed purchase agreement (purchase transactions)
If Applicable:
  • Social Security or Disability income award letter
  • Pension income verification
  • Disability income award letter
Please note: Every mortgage is unique. This is a general checklist of what you should provide for your mortgage. You may be asked to provide additional documentation.

Not a Member?

We proudly serve members in Grand Traverse, Kalkaska, Antrim, Crawford, Missaukee, and Wexford counties who meet our membership requirements.

Discover our low mortgage rates, mobile banking convenience, and friendly staff. Apply to be a member today!