Required Documents for Purchasing and Refinancing

In order to obtain a mortgage loan at Montana Credit Union, you must be a member of Montana Credit Union, or be eligible for membership at MCU. In addition, we will need the following documents to process your mortgage loan request:

  • Most recent 30 days of consecutive pay stubs

  • Verification of any other sources of income, such as child support, social security, retirement, etc. that you want to use to qualify

  • Last two years of federal tax returns with all schedules 

  • Last two years of W2s for ALL jobs you held in the prior two years

  • If self-employed, the last two year's business returns with all schedules

  • Last two months of bank statements (all pages)

  • Divorce decree (if applicable)

  • Bankruptcy and discharge papers, if within the last 7 years (if applicable)

  • Check payable to "Montana Credit Union" for appraisal fee (ask your lender for the current amount)

  • Current photo ID

Questions or clarifications? Call us at (406) 727-2210.