How do I request a mortgage subordination?

Delta Community Credit Union will prepare the subordination agreement. A $100 non-refundable processing fee will apply. Following the review of the required documentation, a copy of the agreement will be sent to the proposed first lien holder. The original subordination request will be overnighted directly to the closing agent. 

The following documents must be provided for the subordination request:

• Subordination Agreement Request Form
• Required supporting documents:
  • Copy of Loan Application-Fannie Mae Form 1003
  • Copy of the completed title search and commitment
  • Copy of current value (first two pages of the appraisal) (not required for FHA/VA, Streamline, or Conventional Streamline)
  • Income documentation for all borrowers (not required for FHA/VA, Streamline, or Conventional Streamline)
    • Wage earner: two recent pay stubs and two recent W-2 forms
    • Self-employed: All pages of tax returns including all schedules
    • Rental Property: All pages of tax returns including all schedules
  • Cash Out $_____________ Cash Out Purpose _____________________
  • If requesting a Cash Out, provide written explanation of purpose and if controlled payoffs are required
  • Overnight pre-paid mailing label or FedEx or UPS account number
  •  If authorizing a transfer from your Delta Community account, the borrower’s written consent is required. Complete and submit the Mortgage Subordination Authorization form. If paying by check, please make payable to Delta Community Credit Union and mail overnight to:

    Delta Community
    Attn: Mortgage Servicing Subordination Department
    315 Hwy 74 North
    Peachtree City, GA 30269

Please submit all documentation to: dccusubordinations@deltacommunitycu.com or fax to 770-632-8829.