You must be a Ventura County Credit Union member of borrowing age prior to receiving funds from this loan. If you are not currently a member, click here to review our membership requirements and determine your eligibility.

Please Review Carefully Prior to Submitting Your Loan Application:

The residential property to be improved must be a single family, detached home located within the county of Santa Barbara.

* = Required

Is the residential property subject to this loan request considered a historic resource, landmark, point of historic significance or historic merit? If you are unsure, please contact your local permitting agency for information.
*

NOTE: Married persons may apply for credit in their own names. Please provide information if (1) another person will use this account, (2) you want a joint account, (3) you are married and live in California or (4) you are relying on the income of a spouse to repay this loan. If (3) and /or (4) apply to you, please provide information about your spouse in the co-applicant section.



*
*
Must be in xxx-xxx-xxxx format
*
(No dollar signs, commas.)
*
(No dollar signs, commas.)

Maximum net Loan Amount is $25,000 which does not include utility company rebates. All rebates will be deducted from the construction costs prior to funding. All loans under $5,000 have a maximum term of 60 months.

STOPPrior to applying for financing, you must be enrolled in the Energy Upgrade California program. If you are also including solar projects in this loan application, you must also be enrolled in the California Solar Initiative. In order to receive loan pre-approval, you must submit the required documents below with this loan application.

By clicking on the box, I confirm that I will submit the following documents with the loan application.


Documents can be emailed to loans@vccuonline.net or faxed to 805-339-9299



Will there be a joint co-applicant on the application?*

Applicant Information

Suffix
Must be in mm/dd/yyyy format (Must be at least 18 years of age)
Must be in xxx-xx-xxxx format
Number of Dependents    
Occupancy Duration*:
(No dollar signs, commas.)
Must be in xxx-xxx-xxxx format
Must be in xxx-xxx-xxxx format
Must be in mm/dd/yyyy format

Employment Information

Employment Duration*
Must be in xxx-xxx-xxxx format

Monthly Income Information

(No dollar signs,commas)

(No dollar signs,commas)

†Alimony, child support and separate maintenance income do not need to be revealed if you do not wish to have them considered as a basis for repaying this obligation.


Applicant Acknowledgement:
  1. If you are applying for an emPowerSBC home upgrade loan, you acknowledge receipt and agreement to the terms and conditions outlined in the emPowerSBC Financing Packet (www.empowersbc.org), including, but not limited to, eligibility, use of participating contractors, and submission of the required documents.
  2. You understand that preapproval is subject to lender receipt of all required documents. You also understand that should the project take in excess of 60 days, from the time of application to the completion and validation of the project, Ventura County Credit Union, at its discretion, can credit qualify the loan a second time prior to funding. In addition, you certify that all measures in the bid contract/scope of work submitted for emPowerSBC financing have been deemed eligible for a rebate by Energy Upgrade California and California Solar Initiative (if solar projects are included in loan application).
  3. You also agree to indemnify and hold harmless Ventura County Credit Union and/or Santa Barbara County and their authorized officers, employees, and agents from any and all claims, actions, losses, damages, and/or suit arising from work financed in this Loan application.
  4. You understand that the selection of the lender and the contractor and the acceptance of the materials used and the work performed are your responsibility, and that emPowerSBC and the County of Santa Barbara and their directors, officers, agents, and the lender do not guarantee the performance, quality, or workmanship of the property improvements. You understand that your loan will be directly with the lender and not with emPowerSBC or the County of Santa Barbara.
Consent and Authorization

I authorize Ventura County Credit Union (VCCU) to obtain my credit history. I understand that VCCU may contact me for additional information. VCCU may obtain information from others about me and give information to others to obtain my credit history. I understand that all funds advanced to me will be subject to the terms and conditions of the loan agreement. By submitting this application electronically, I agree to the same terms that apply to a signed application. If there is a co-applicant on this loan, that co-applicant has authorized the submission of this application. The electronic submission qualifies as my signature. I understand that I/we will have to sign loan documents before funds can be disbursed. This authorization does not constitute a commitment to grant or extend credit.

I/we have read and agree to the above Authorization.