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Buying your first home is a big deal. SWACU is here to help. Our mortgage team will guide you through the entire process, turning your dream of homeownership into a reality!

Perfect for those who have never owned a home or haven’t owned one in the last three years.

If you have any questions or need to submit individual documents for your application, our mortgage team will be happy to help. Text us at 972-616-7992 or call us at 1-800-262-5325, Monday – Friday, 8:30 am – 5:00 pm CST.  We’re also available via email at [email protected].

  • Competitive fixed low rates
  • Lown down payment
  • In-house servicing
  • Helpful loan advisors that will walk you through the process, step-by-step
  • Free pre-approval for extra confidence when it comes to securing financing
  • Quick decision-making and processing
  • Free Homeownership education along with options of housing counseling
  • Down payment assistance program through the Federal Home Loan Bank

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Proof of income:

  • W2 income, the most recent 30 days of paystubs with year-to-date earnings on stubs along with the prior 2 years W2’s
  • Self-Employed income, the most recent 2 years of tax returns with all schedules and attachments
  • Retirement income, social security form SSA-1099, award letter
  • Pensions, 1099-P, award letter for pension
  • Child support/alimony – divorce decree Disability – will be determined upon review of your application


  • Asset statements – the most recent 60 days of statements (assets include your down payment, closing costs and/or monthly reserves)       
    • If you listed your SWACU account for your assets, you do not need to send your SWACU statements

Proof of Homeowners insurance:

  • Declarations page from the homeowner’s insurance policy (submit during the processing stage of your application)

*Other documentation may be required upon review of your application.

We’re committed to helping you achieve your homeownership goals.  Contact us today 1 (800) 262-5325 to learn more and get started!

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