Seneca Home Equity Line of Credit Application
Submitter Information (Required)
First Name
(required)
Last Name
(required)
Resolve the errors marked in red before submitting again.

NMLS# 1880442

Privacy Policy:
Our privacy policy protects the privacy of your personally-identifying information that you provide us online.  

Account Holders must reside in New York state.   Seneca Savings lending area is Onondaga, Oswego, Cayuga, Oneida and Madison Counties.  Other address restrictions may apply.

Important Information about Procedures for Opening a New Account

Identification Procedures Requirements: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Security Notice:
You should ONLY fill out this Application online if you are using a browser with the latest security enhancements. If you don't have the latest version, download a copy now.

Instructions:
1. Complete Application and click "Submit Application" or fax it to 315-638-9871.
2. To safeguard your privacy, QUIT your browser and restart it again after using this form. This form is NOT saved in your computer's memory when you quit your browser.
3. We will contact you with the location of our closest office and any other documentary requests we may have. You may also be requested to provide photocopies of your Driver's License or other identification.  We will call you before preceding with any application.

Account Holder(s)
If you are applying for a joint account or an account that you and another person will use, complete all sections, providing information about the Joint Applicant or user.
Applicant Name (required)
Co-Applicant Name
Home Equity Loan Request
Amount Requested: Purpose:

 
Type of Application: (required)
Residence
Your Primary Residence:
Present Address
Years At Present AddressYour Monthly Rent or Mortgage Payment

 
Years At Previous AddressYour Previous Address

 
Home Information
Collateral Property Address (If different from above)Date Purchased

 
Current Mortgage HolderMortgage Holder Phone

 
Purchase PriceMarket ValueMortgage Balance

 
Applicant
First NameMiddle InitialLast Name

 
Date of BirthSocial Security No.No. of Dependents

 
Driver's License No.Driver's License StateYour E-mail Address

 
Home PhoneBest Time To CallWork Phone

 
Are there any unsatisfied Judgments against you?
Have you been declared bankrupt in the last 7 years?
Employment
Your Present EmployerPhone

 
Address Information
Gross Monthly SalaryYour PositionYears There

 

You do not have to list alimony, child support or separate maintenance income unless you want us to consider it for the purposes of granting and repayment of this credit request.

Other Monthly IncomeSource of Other Income

 
Previous Employer (if less than 2 years at current employer)Years at Previous Employer

 
Address Information
Additional Information
Your Checking Account NumberInstitution Name

 
Your Savings Account NumberInstitution Name

 
Name of CreditorApprox. BalanceMonthly PaymentCollateral, if any

 

 

 

 
Total Amount of Other Monthly Payments not listed above:
AssetsValueTitle Held Name

 
Co-Applicant
First NameMiddle InitialLast Name

 
Date of BirthSocial Security No.No. of Dependents

 
Driver's License No.Driver's License StateYour E-mail Address

 
Home PhoneBest Time To CallWork Phone

 
Co-Applicant Residence
Your Primary Residence:
Present Address
Years At Present AddressYour Monthly Rent or Mortgage Payment

 
Years At Previous AddressYour Previous Address

 
Co-Applicant Home Information
Collateral Property Address (If different from above)Date Purchased

 
Current Mortgage HolderMortgage Holder Phone

 
Purchase PriceMarket ValueMortgage Balance

 
Co-Applicant Employment
Your Present EmployerPhone

 
Address Information
Gross Monthly SalaryYour PositionYears There

 

You do not have to list alimony, child support or separate maintenance income unless you want us to consider it for the purposes of granting and repayment of this credit request.

Other Monthly IncomeSource of Other Income

 
Previous Employer (if less than 2 years at current employer)Years at Previous Employer

 
Address Information
Co-Applicant Additional Information
Your Checking Account NumberInstitution Name

 
Your Savings Account Number.Institution Name

 
Name of CreditorApprox. BalanceMonthly PaymentCollateral, if any

 

 

 

 
Total Amount of Other Monthly Payments not listed above:
AssetsValueTitle Held Name

 
Information For Government Monitoring Purposes

AGREEMENT: The undersigned applies for the loan indicated in this application to be secured by a mortgage or deed of trust on the property described herein, and represents that the property will not be used for any illegal or restricted purposes, and that all statements made in this application are true and are made for the purpose of obtaining the loan.  Verification may be obtained from any source named in this application.  The original or a copy of this application will be retained by the Lender, even if the loan is not granted.  A consumer report may be requested in connection with this credit application.  Without notice, future reports may be requested to update, renew or extend credit.  If reports are requested, the names and addresses of the consumer reporting agencies that furnished them are available from the Lender. 

NOTICE TO THE GUARANTOR:  If you are providing information to the Lender on this Application for the purpose of acting as a guarantor for one or more primary applicant(s) and the Lender determines that you, as a guarantor, do not meet the credit underwriting standards for this particular loan and/or amount, be advised that the lender is required by law to, and will, provide an adverse action notice detailing the specific reasons for the credit denial directly to the primary applicant(s) and not to you.  

As a guarantor, be prepared to share any specific reasons for adverse action based on your credit history with the primary applicant(s).  If you are unwilling to share this information, you should not complete this application in the capacity of a guarantor.

By completing and submitting this application as guarantor, you are authorizing the Lender to share specific reasons for adverse action with the primary applicant(s) in the event this application is denied.

IMPORTANT INFORMATION FOR GOVERNMENT MONITORING PURPOSES
The following information is requested by the Federal government for certain types of loans related to a dwelling, in order to monitor the Lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a Lender may discriminate neither on the basis of this information, nor on whether you choose to furnish it.

If you choose to furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this Lender is required to note the information on the basis of visual observation or surname.

If you do not wish to furnish the above information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.)

Ethnicity
Race or National Origin
Sex
Co-Applicant
Ethnicity
Race or National Origin
Sex
Applicant(s) Statement

I/We have completed this request for credit in consideration of Seneca Savings lending to me and/or others upon my guarantee. I/We certify that all information contained herein is accurate and complete to the best of my knowledge.
I/We authorize Seneca Savings to retain property of this application, to rely on the foregoing, to check and verify my credit, employment and salary history, to secure follow up credit reports concerning my credit worthiness and to exchange information about my account with proper persons, creditors and credit bureaus.
I authorize my employer (present and future), bank and other references listed above to release and/or verify information to Seneca Savings at any time. I acknowledge that this application is subject to approval of credit and acceptance by Seneca Savings. Should my request for credit and subsequent loan be approved, I agree to give Seneca Savings written notice immediately upon change of my name, address, employment or any other pertinent information contained herein.

For more information, see this booklet from the Consumer Financial Protection Bureau. For the disclosure, see here.   Please visit https://www.consumerfinance.gov/find-a-housing-counselor and input your zipcode for a listing of housing counselors in your area.

Federal law requires that we obtain your consent before providing required disclosures electronically.  Your consent will apply only to this transaction.  If you prefer to receive paper copies free of charge after consenting to receive electronic disclosures please call (315) 638-0233 and request them.  Because we may provide certain disclosures to you as soon as you consent, but prior to submitting your online application, you will not be able to withdraw your consent to receive those disclosures electronically.  However, you may withdraw your consent to recieve future disclosures electronically at any time.  Such withdrawal will not affect the validity of the disclosures already given.

I/We AGREE with the above statement.  By clicking submit and electronically signing below I/WE wish to proceed with the application and acknowledge receipt of the above disclosures electronically.  

Electronic Signature (required)
Joint Owner Electronic Signature if applicable
Date and Time of Application (required)