Know exactly what EastWest Bank asks for before you apply, then let Nook handle the paperwork and find you a lower rate at the same time.
WHAT REFINANCING COULD SAVE YOU
No commitment. No credit check. Just your numbers.
Why this matters
EastWest Bank's home loan requirements are fairly standard for the industry, but the details trip up a surprising number of applicants — mismatched documents, expired certificates, or an incomplete Certificate of Employment can stall your application for weeks. Whether you're applying for a new home loan or refinancing an existing one, the bank needs a full picture of your identity, income, and the property itself before they'll move forward.
At a minimum, expect to submit valid government-issued IDs, proof of income (payslips, ITR, or business financials if you're self-employed), a Certificate of Employment, bank statements, and full property documents including the title, tax declaration, and updated real property tax receipts. If you're refinancing, you'll also need your latest Statement of Account from your current bank showing your outstanding balance. Self-employed and OFW applicants face additional scrutiny, so extra documentation like business registration papers or a Special Power of Attorney is often required.
Here's the part most homeowners miss: gathering these requirements is also the perfect moment to check whether you're still on a competitive rate. If EastWest Bank quoted you 8% or higher years ago, there's a good chance you're overpaying today. Nook uses the same documents you're already assembling to shop your loan against multiple banks — for free — so you don't just complete the paperwork, you actually save money doing it.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
You'll need at least two valid government IDs, proof of income (payslips or ITR), a Certificate of Employment, bank statements for the last 3-6 months, and complete property documents like the title and tax declaration. Refinancers also need a Statement of Account from their current lender showing the outstanding loan balance.
Self-employed applicants need to show business registration documents (DTI or SEC), audited financial statements or ITR for the past two to three years, and bank statements demonstrating consistent cash flow. EastWest typically looks for at least two to three years of stable business operation before approving a loan.
Yes, OFWs can apply but will need additional documents such as a Special Power of Attorney authorizing a representative in the Philippines, a copy of their employment contract, and proof of remittance history. Processing can take longer due to the added verification steps, so it's worth starting the requirements checklist early.
With a complete set of requirements, approval typically takes two to four weeks, though incomplete documentation is the most common cause of delay. Refinancing applications can sometimes move faster since the property has already been vetted once by a previous lender.
Yes — Nook guides you through exactly which documents you need and helps you prepare a complete application, at no cost to you. As a bonus, we use that same documentation to check if another bank can offer you a meaningfully lower rate than EastWest's current offer.
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