Thank you for your interest in a Home Equity Line of Credit with University of Hawai’i Federal Credit Union. To process you application as quick as possible please provide the following:

Income Documentation

Employment Income

• 1 month of your most current pay stubs for each applicant.
• Most recent year of W-2
• Copies of last 2 years of Personal Federal Tax returns with all schedules if any of the following apply:
  • Applicant(s) who are self-employed (Report a Schedule C).
  • Applicant(s) who receive rental income (Report a Schedule E)
  • Applicant(s) who have 25% or more ownership in a Corporation/Partnership
    • Copies of the last two years of Business Federal Tax Returns with all schedules and K-1s

Retirement Income

• Copy of Award Letter, 1099, or 2 recent bank statements showing receipt of:
  • Retirement, Pension, Social Security, or Dependent/Disability Benefits
• 1099 and copy of most recent annuity/investment statement with current balance and terms of withdrawal for:
  • IRA or Annuity Income

Additional Documentation

• Copy of the most current mortgage statement
• Copy of Homeowners/Hurricane/Flood/HO6 insurance policies for the property being used as collateral.
• Copy of the maintenance fee coupon or recent bank statement showing payment of the property used as collateral (if applicable)
• Copy of the short form trust if the title of the property used as collateral is held in trust.
• Copies of all mortgages, loans, and credit card statements that you would like to be paid off with your UHFCU HELOC.