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Preparing for a Loan Appointment

Whether you’re buying a vehicle, purchasing a home, or borrowing for another financial goal, arriving prepared can help make your appointment faster and smoother. Bringing the necessary documents to your appointment helps us process your application more efficiently and allows your loan officer to better assist you.

What should I bring to the appointment?

For all loan appointments, please bring:

  • A valid government-issued photo ID.
  • Any additional documents listed below based on the type of loan you’re applying for.
  • If you are not already a Breakwater member, additional identification or information, such as your Social Security number, may be required to complete your membership and loan application.

Loan Type
Required Documents/Information
Auto/Recreational Vehicle Loan
  • Pay stubs
  • Information about the vehicle you want to purchase
  • Driver’s License
Personal Loan
  • Pay stubs
  • Driver’s License
Credit Card
  • Pay stubs
Home/Land/HELOC/
Home Improvement
Loan
  • Pay stubs for the past 30 days
  • W-2s for the last two years
  • Two months of bank statements
  • Tax returns (if self-employed)
  • Property information (if purchasing or refinancing)

Questions to think about

Before your appointment, consider:

  • How much can I comfortably afford each month?
  • How much would I like to borrow?
  • Do I have a down payment?
  • What is my timeline for purchasing?
  • What questions do I have for my loan officer?

What will happen at the appointment?

During your appointment, your loan officer will:

  1. Learn about your financial goals.
  2. Collect your application information.
  3. Review your income and employment.
  4. Obtain your permission to review your credit.
  5. Calculate your debt-to-income ratio.
  6. Discuss loan options and payments.
  7. Explain the next steps.

 

Most consumer loan appointments take approximately 30-45 minutes, while mortgage appointments may take longer depending on your situation.

Ready to get started?

Our lending team is here to answer your questions and help you find the financing that fits your needs. Schedule an appointment online, apply online, or stop by to speak with one of our loan officers.

Schedule an Appointment

Speak with one of our lenders to learn more about which loan may be right for you.

Schedule Now
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