Home Purchase
Let’s move from pre-qualified to pre-approved today!
Begin your application by clicking Apply Now. Here are the documents we’ll need next:
- One Month Paystub
- Year-to-date income
- Paystub dates covering a full 30 days
- Two Year Federal Tax Returns
- Include your W2s
- Three Month Bank Statements
- All pages front and back
- Include all accounts (checking, savings, etc.)
Getting Started
Home loans come with a lot of information and a lot of decisions. That can feel like a lot to take on alone. We’ll walk you through each step, explain your options clearly, and help keep things moving. Our goal is to make the process feel more manageable, more transparent, and a lot less stressful.
Home Equity Loans
If you’ve built equity in your home, a home equity loan can be a practical way to access funds, often at lower rates than other options. Common uses include home improvements, debt consolidation, and larger expenses. We’ll help you see if it’s a good fit.
Let’s move from pre-qualified
to pre-approved!
Construction Loans
Our construction loans are designed to keep things simple from start to finish. With competitive rates and a seamless process, we're here to support your construction project. Key Features:
- Low 1%* Origination Fee
- Quick In-House Draws
- Two Draws per Month
- One-Time Close for added Simplicity
Let’s Get Started
Every situation is different. Whether you're buying, building, or using your equity, we’re here to help you move forward with confidence. Apply online or connect with one of our loan experts to get started. *Terms and conditions apply. Please contact a Beehive Federal Credit Union loan officer for complete details. Note: Beehive Credit Union's home loan products are available to qualifying members in select states. Eligibility may vary based on state and county regulations.
Finally Home!® Homebuyer Education is one of the smartest moves you can make when purchasing a home, and it may be required for some of our loan products. Take the Finally Home! homeowner course early in the home-buying process.
Beehive offers mortgages, including in areas covered by flood insurance requirements. The National Flood Insurance Program (NFIP) is a Federal program providing flood insurance, floodplain management, and the development of flood hazard zones. Flood insurance is required by federal law for members borrowing funds in high-risk zones.
Can I get out of the requirement to have flood insurance? Members can hire a qualified surveyor to perform an elevation certificate on their home. This certificate can be sent with an application to FEMA for a letter of Map Amendment (LOMA). LOMA is an official amendment, by letter, to an effective NFIP map. A LOMA establishes a property’s location in relation to the Special Flood Hazard Area (SFHA). LOMAs are usually issued because a property has been inadvertently mapped as being in the floodplain, but is actually on natural high ground above the base flood elevation. Because a LOMA officially amends the effective NFIP map, it is a public record that the community must maintain.