Meet Our Mortgage Lending Team
EXCITE IS THE COMMUNITY'S CREDIT UNION
Meet Your Mortgage Specialist
Ready to take the next step toward buying or refinancing a home in California or North Carolina?
Gary Pate
Mortgage Loan Originator - North Carolina
With more than 20 years of experience in the mortgage industry, Gary is passionate about helping individuals and families achieve their homeownership goals. As a certified mortgage specialist and pro originator, he is committed to making the financing process straightforward, whether Members are purchasing their first home, refinancing, or exploring new opportunities. Gary takes pride in providing personalized guidance, simplifying every step of the mortgage journey, and delivering exceptional service that helps turn the dream of homeownership into reality.
Contact Gary Today!
- NMLS#: 114560
- Office: 910.793.2222
- Email: gpate@excitecu.org
- Apply with Gary today!
Luis Romero
Mortgage Loan Originator - California
With more than 11 years of experience in the financial industry, Luis is passionate about helping individuals and families achieve their homeownership goals. As a bilingual advisor fluent in both English and Spanish, he takes pride in making the financing process clear and accessible for a diverse range of Members. Whether Members are purchasing their first home, refinancing, or expanding their real estate portfolio with an investment property, Luis is committed to providing personalized guidance and exceptional service every step of the way.
Contact Luis Today!
- NMLS#: 1193606
- Office: 408.979.3647
- Email: lromero@excitecu.org
- Apply with Luis today!
HOW IT WORKS
Buying or refinancing a home is a big step, so we make the process smooth. Our friendly team will be there to keep you informed and answer your many questions.
Documents Needed
Speed up your application, and you can earn $250* with our Fast Track Rewards!
Make sure to have these documents ready:
Property Information
- Mortgage Statement (most recent month)
- Home Owner Insurance (Declaration Page)
- Property Tax Bill (most recent copy)
- Home Owner Association dues statement (if applicable)
Income Information
- Paystubs (last 30 days for all borrowers)
- Most recent W2 for all borrowers (two years).
- Tax Returns last two years filed and signed, required only if self-employed, commission/bonus, seasonal employment or rental income
- Social security or pension (award letter (if applicable)
- Alimony / child support (recorded divorce decree/ separation, if applicable)
Asset Information
- Bank Statements – most recent two months. This should be official statements including all pages. Please include all Banks, Credit Unions that you have accounts with. (Besides Excite Credit Union)
- 401k / Retirement Statements (most recent two months)
- 401k (plan document regarding withdrawal eligibility)
Other information (as applicable)
- Additional owned properties will require property information 1-4 (see above).
- Credit Explanation letter for any of the following
- Gap in employment in the last 24 months
- Credit inquiries in the last 120 days
- Late payments made in the last 24 months
*Fast Track Rewards pays $250 if application is completed with 5 days of applying. All documents need to be received in order to recieve the reward and will be paid at the time of closing.