FHA Title I Home Improvement Loans

Thank you for your interest in Total Community Credit Union's FHA Title I Home Improvement Loans.

Please bring in the following items with you when returning your application.

• Three recent pay stubs or a letter of employment stating seniority date, rate of pay, your name, social security number, current working status and average hours worked per week.
• Copy of your social security card.
• Proof of ownership of property will be verified by providing a certified copy of the deed or title policy insurance or the mortgage.  These documents must contain your names and the legal description of the property.
• A recent paid city/county tax statement.
• A written estimate of the work or repairs to be done.
• Signed "Certification of Non-Manufactured Home" for loans over $5,000.00 (Included in the application packet)

For self-employed Members:

• Copy of recent business financial and operating statement.
• Copy of last two years 1040's.

For FHA loans over $7,500.00 we will also require:

• Proof of homeowners insurance.
• Purchase of a flood certificate.

If you would like to request an application, have further questions, need additional assistance, or would like to set up an appointment to bring in your application please contact the Mortgage Department at (800) 291-3003 ext. 225 or send an email to mortgages@tccu.us.