![]() Most recent paystubs showing last 30 days YTD income.You may fall into one or more of these categories. Required Income Documentation for Applicant and Co-Applicant Government issued photo ID (Driver’s license, US passport or state-issued ID).Phone number for employer’s main office or Human Resources.Current employer and previous, if less than two years.Current address and previous, if less than two years. ![]() Full legal name, Social Security number, Date of Birth.Personal Information for Applicant and Co-Applicant: Submitting information can be done via Home Insight Tracker, email or fax. In order to expedite the process, please provide all required information at the time of application. Additional documents may be requested upon application review. You may be asked to provide, for all applicants, some or all of the items listed below to decision your credit request. An appraisal will be ordered to determine your home’s current market value. You will also be asked to provide information about current debts and recurring monthly obligations. To qualify, you’ll need enough equity to borrow against, a good credit history and proof of a steady income. So carefully consider if the expense is worth it. Your interest rate and monthly payment may vary over the life of your loan depending on the loan product you choose to use, and if you can’t make a payment you may put your home at risk. Remember, the interest you’ll pay on a home equity line of credit will add to the overall cost of any purchase.But if your home needs more costly repairs, like a new roof or floors, using your home equity could be a smart choice. Regular maintenance and minor repairs are a part of homeownership.Estimate the cost of a home renovation with our tool.Get quotes from multiple contractors, and to be safe, add 20-30% to the total to account for potential overages. Estimating the cost of your project is the first step.Whether you are renovating to get more space, reduce energy costs, or to turn your house into your dream home, accessing your home equity can be a good option.
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