Thank you for trusting the Cooperative Bank of Cape Cod with your home financing needs. To simplify and expedite the process, we’ve outlined some of the standard documents that may be needed to fully process your loan application. Please don’t hesitate to reach out to us with any questions along the way, big or small; we’re here to answer them all.

How do I get started?

Start the process today with our fast and easy online application!

  • First, you will be prompted to create an account before you begin, this will allow you to save and come back to your application if you need to.
    • This log-in will need to be different from your Coop Online Banking credentials.
    • Make sure to save your username and password as you will use the online portal to upload documents and to review and sign the necessary loan disclosures down the line.
  • Get started on your application. Don’t have everything you need to complete in one sitting? No problem! You can pick up right where you left off at any time or a mortgage loan officer can help you complete the application over the phone.

 

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What documents will I need?

Use the below list as a helpful guide. You may or may not need to provide all of the documents below, and you may need to provide documents not listed below. Your loan officer & loan specialist will request only what is needed based on your individual profile.

  • Signed personal Federal tax returns (all pages) for the two most recent years.
  • W2s, 1099s & K1s (if applicable) for the two most recent years.
  • Two most recent paystubs for all borrowers.
  • Two most recent bank statements for all borrowers (all pages; screenshots are not acceptable).
  • Copy of unexpired driver’s license or other government-issued ID.
  • Condo association contact (if applicable)
  • Signed Federal business tax returns (all pages) for the two most recent years (if applicable).
  • Real estate and homeowner’s insurance bills for any properties owned (if applicable).
  • A Loan Estimate will be provided to you after we have taken your name, income, SSN, property address, estimated property value, amount of mortgage loan sought.

Who will I be working with?

Find a loan that works for you, not the other way around. Our team of experienced residential mortgage loan officers will work with you to find the right loan for your specific needs. With fixed- and adjustable-rate mortgages and a robust portfolio of unique mortgages, we’re sure to have a mortgage option that will help you achieve your goals!

  • Residential Mortgage Loan Officer: This person will discuss your wants and needs, review your employment, income, credit, and asset profile, to help determine the best loan for you. This person also writes prequalification letters, so you can make offers on homes and establishes timelines and next steps.
  • An appraiser will come to your house to determine the value. They will schedule with you directly.
  • Loan Processor: Once your loan application has been submitted, the Loan Processor takes over to make sure you’re providing all the documentation required to get your loan approved.
  • Loan Closer: Once your loan is ready to close, the Loan Closer takes over to make sure all the final documents are in order and coordinates with all parties to schedule your closing.

 

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Still have questions?

If you have any questions at any point of the application process, contact a Mortgage Loan Officer,  or email mortgage@mycapecodbank.com.