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Home Equity Loan Information
Home Equity Loan
Pre-approval Offer
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Provide loan information
Current Mortgage
2nd Mortgage (if applicable)
Please answer the following question(s)
Working with a Bangor Savings lender; enter their name here, if not enter NA and we'll match with someone great!*
Will a Power Of Attorney be utilized at closing?*
Enter the full name of the person acting as Power-Of-Attorney.*
Is the property held in a Trust?*
Please provide the full title of the Trust.*
Who are the Trustees for this trust?*
How do you hold the title of this home? All title holders are required to attend closing and sign a portion of the closing.*
Please list your spouse's name.*
Please list the other title holder's name.*
What is the home address for the other title holder?*
What is the overall condition of your home?*
Please provide details of current renovation or maintenance needed. Based on the current condition, an interior appraisal may be required.*
What is the Year of your Manufactured Home?
**Manufactured Homes is offered in the Flex Home Equity Product Only.****
We are able to complete an Evaluation Report or Interior Appraisal for your manufactured home. Click here to view your options: Manufactured Home and Land Options
A determination of the current value for the subject property will be required during the processing of your equity request. Click here to view your options: Valuation Options
*
I understand I'll be contacted by a real estate broker to set a time to perform an interior/exterior inspection. The cost of the inspection is paid by the Bank.*
What is the name of the Financial Institution that ordered this appraisal? (We'll need the full color copy of the existing appraisal.)*
What was the date of the recent appraisal?*
I understand I'll be contacted by an appraiser to set a time to perform an interior/exterior inspection. The cost of the appraisal is my responsibility. For originated loans the cost is advanced from the line at closing.*
How many bathrooms? (1, 1.5, 2, 2.5,etc.)*
How many bedrooms?*
Please select all home amenities that apply.*
Does this subject property have water frontage? If yes, please list the body of water here.
What is the full street address (no P.O. Boxes) for the collateral to be held for this equity request?
To verify your identity, please provide the following information:
We apologize for not being able to verify your information. Please contact your financial institution for further assistance.
We have encountered an issue
Thank you for considering us for your financial services needs. We are sorry that we cannot continue with your application for the following reasons:
Application Cancelled
Application Cancelled
We have cancelled your application.
If this was a mistake and you would like to fix errors you can return to the application now.
Applicant Information
Tell Us About Yourself
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SSN IconQuestion
Contact Information
Current Physical Address
Property Address
Identification
Financial Information
Monthly Expenses
Upload Documents
Please upload your supporting documents here.Â
Declaration
a. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
b. Are you a Co-maker, Co-signer or Guarantor on any loan?
c. Are you obligated to make Alimony, Support or Maintenance Payments?
d. Is the property securing this loan you are applying for currently for sale?
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
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Co/Joint Applicant Information
About Your Additional Applicant
SSN IconLock
SSN IconQuestion
Contact Information
Current Address
Identification
Financial Information
Monthly Expenses
Upload Documents
Please upload your supporting documents here.Â
Co/Joint Declarations
a. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
b. Are you a Co-maker, Co-signer or Guarantor on any loan?
c. Are you obligated to make Alimony, Support or Maintenance Payments?
d. Is the property securing this loan you are applying for currently for sale?
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Review and Submit
Review and Submit
Home Equity Loan Information
Additional Loan Information
Applicant Information
Applicant Contact Information
Address
Property Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Please answer the following question(s)
Online Applicant: Are there additional details you'd like to share regarding your loan request? Please provide them here.*
Are you an employee of Bangor Savings Bank?*
Which method do you intend to use to make monthly payments?*
Are you an employee of a State bureau, agency, or department that supervises, regulates, and/or examines financial institutions in the
State in which you are applying for a loan, or the spouse, son, or daughter of such person who resides in such person's home?*
Please provide the name of the State Bureau/Agency*
Please confirm if this application will be for joint credit.*
Applicant please enter/provide your initials here to confirm your intent to apply jointly using your credit and income for repayment.*
Co-Applicant, please enter/provide your initials here to confirm your intent to apply jointly using your credit and income for repayment.*
We'll complete a current owners search in connection with your HELOC request. You have the right to choose a Title Attorney (in SC and NC a closing attorney) at your own expense for this service, if you do not wish to do so, Bangor Savings Bank will select the title attorney at no cost to you.
Should you choose to select the title attorney or a full title examination and/or title insurance policy is required then the total premium will be your responsibility.*
I understand the attorney fees are my responsibility.
Please use the following Attorney Name and email/phone contact info.
Applicant, do you own other properties that are for personal use? Such as a second home, camp or vacant land.*
What is the address of the other property?*
What is the total monthly cost (mortgage, taxes, insurance, HOA fees) for this property?*
Do you have an additional property?*
What is the address of the additional property?*
What is the total monthly cost (mortgage, taxes, insurance, HOA fees) for this property?*
Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Authentication Questions
Co-Authentication Questions
Application Completed
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There was a problem with your request
Loan Submission Cancelled
We're sorry you have declined to use our automated prequalification system. If you prefer, please come to our offices to apply or call our Consumer Loan Department and a loan representative will be happily ready to assist you.
If you decide you would like to go through our instant decision process, please click on the following link to return to your application summary page and submit the application for decisioning.
Access Denied
We apologize that we were unable to submit your application. Please contact your financial institution for assistance.