It's Easier With AMC ; Fast Pre-Qualification. Complete our secure online application ; Secure Online Portal.Your Mortgage Consultant will have you complete an online application and request documents from you. We offer a variety of different fixed-rate mortgages and will work with you to find the terms that best fit your needs. Depending on your lender, you may have to sign in to an online account, call a helpline, or send a formal letter to start the request process. Below you will find information about the services we offer online, and in-person at our Oakland and Tri-Valley office locations. 1st United is a local credit union committed to improving the finance health of the communities we serve across the East Bay and Tri-Valley areas. "Payoff amount" is generally higher than the remaining balance on the home. The mortgage payoff statement is a document that provides a comprehensive breakdown of the remaining balance on a mortgage. 1st United is a local credit union committed to improving the finance health of the communities we serve across the East Bay and Tri-Valley areas.