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Home Equity Loan Information
Home Equity Loan
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Membership with Sharon & Crescent Credit Union shall be available to persons who (a) live, work, attend school, college or university or have a usual place of business in Norfolk, Suffolk, Middlesex, Plymouth, Barnstable, Bristol, Dukes and Nantucket counties of the Commonwealth of Massachusetts, the Providence, Bristol and Newport counties of the State of Rhode Island and the following towns in Worcester county of the Commonwealth of Massachusetts: Blackstone, Hopedale, Mendon, Milford, Millville, Northbridge, Southborough, Upton, Uxbridge and Westborough or (b) are family members of eligible persons regardless of location. “Family member” means a spouse, child, brother, sister, parent, grandchild, grandparent, stepchild, stepbrother, stepsister, sister-in-law, brother-in-law, mother-in-law, father-in-law, daughter-in-law, son-in-law, aunt, uncle, niece, nephew or cousin.
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Applicant Information
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Reference Information
Contact Information
Current Physical Address
Property Address
Identification
Financial Information
Monthly Expenses
Upload Documents
If available, upload supporting documents such as recent pay stubs and W2s. Documents may also be uploaded after your application is submitted. Required documents vary by loan product and additional documentation may be required.
Expected Monthly Expense
Additional Information
Have You filed a petition for bankruptcy in the last 10 years?*
Have You ever had any auto, furniture or property repossessed?*
Are you a co-maker or co-signer on any loan?*
For Whom?*
Name of Financial Institution*
Have you ever had credit in any other name?*
If yes, Alternate Name(s)*
Have You any suits pending, judgments filed, alimony or support awards against You?*
Have you any recent obligations/inquiries not listed on your Credit Report?*
Do You have any past due bills?*
Are you obligated to pay alimony, child support or separate maintenance?*
Amount of monthly alimony and/or child support?*
Is the property securing this loan You are applying for currently for sale?*
Do you have additional income you would like us to consider (child support, rental income, alimony, social security, pension, 2nd job (minimum 2 year employed), etc.)?*
If yes, Source(s)/Amount(s)*
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
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If you do not wish to use this feature, simply close this popup window and proceed.
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* Make sure all four corners are visible
* Avoid glare
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Co/Joint Applicant Information
About Your Additional Applicant
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SSN IconQuestion
Reference Information
Contact Information
Current Address
Identification
Financial Information
Monthly Expenses
Upload Documents
If available, upload supporting documents such as recent pay stubs and W2s. Documents may also be uploaded after your application is submitted. Required documents vary by loan product and additional documentation may be required.
Additional Information
Have You filed a petition for bankruptcy in the last 10 years?*
Have You ever had any auto, furniture or property repossessed?*
Are you a co-maker or co-signer on any loan?*
For Whom?*
Name of Financial Institution*
Have you ever had credit in any other name?*
If yes, Alternate Name(s)*
Have You any suits pending, judgments filed, alimony or support awards against You?*
Have you any recent obligations/inquiries not listed on your Credit Report?*
Do You have any past due bills?*
Are you obligated to pay alimony, child support or separate maintenance?*
Amount of monthly alimony and/or child support?*
Is the property securing this loan You are applying for currently for sale?*
Do you have additional income you would like us to consider (child support, rental income, alimony, social security, pension, 2nd job (minimum 2 year employed), etc.)?*
If yes, Source(s)/Amount(s)*
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Review and Submit
Review and Submit
Home Equity Loan Information
Additional Loan Information
Applicant Information
Reference Information
Applicant Contact Information
Address
Property Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Please answer the following question(s)
Would you like to set up Automatic Payment Transfer from your SCU Credit Union account to pay your loan?*
Additional Comments relative to your application
Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Authentication Questions
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Application Completed
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Loan Submission Cancelled
We're sorry you have declined to use our automated prequalification system. If you prefer, please come to our offices to apply or call our Consumer Loan Department and a loan representative will be happily ready to assist you.
If you decide you would like to go through our instant decision process, please click on the following link to return to your application summary page and submit the application for decisioning.
Access Denied
We apologize that we were unable to submit your application. Please contact your financial institution for assistance.