Borrower Residential Loan Application

Uniform Residential Loan Application

Section 1: Borrower Information.

This section asks about your personal information and your income from employment and other sources, such as retirement, that you want considered to qualify for this loan.

1a. Personal Information

First Name *

Middle Name *

Last Name *

Email Address *

Alernative Names

Social Security *

Date of Birth *

Citzenship *U. S. CitizenPermanent Resident AlienNon-Permanent Resident Alien

Type of Credit *I am applying for individual credit.I am applying for joint credit.If multiple borrowers, each borrrower MUST complete their own application

Total Number of Borrowers

List Names(s) of Other Borrower(s) Applying for this Loan

Marital Status *MarriedSeperatedUnmarried(Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered Reciprocal Beneficiary Relationship)

Dependents

Ages

Home Phone

Cell Phone *

Work Phone *

Current Street Address *Current Address

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code *

How Long at Current Address *

Housing *No primary housing expenseOwnRent

Payment amout *

Previous Street AddressIf at Current Address for LESS than 2 years, list Former Address

Apartment, suite, etc

City

State/Province

ZIP / Postal Code

Country

1b. Current Employment/Self-Employment and Income

1c. Previous Employment If Less Than 2 Years

Employer or Business Name *

Previous Employer or Business Name

Position or Title

Street Address *Business Address

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code *

Position or Title

Street AddressBusiness Address

Apartment, suite, etc

City

State/Province

ZIP / Postal Code

Employer Phone *

Start Date *

Employer Phone

Start Date

Check if this statement applies:

I am employed by a family member, property seller, real estate agent, or other party to the transaction.

Gross Monthly Income

Wage *

Bonus

Total Income

Check if you are the Business Owner or Self-Employed

I have an ownership share of less than 25%I have an ownership share of 25% or more. 1a. Personal Information I am applying for individual credit. Each Borrower intends to apply for joint credit. Your initials: I am applying for joint credit. Total Number of Borrowers: 1b. Current Employment/Self-Employment and Income

Monthly Income or Loss

1d. Income from Other Sources

Income Source

Monthly Income

Income Source

Monthly Income

Section 2: Financial Information — Assets and Liabilities

This section asks about things you own that are worth money and that you want considered to qualify for this loan. It then asks about your liabilities (or debts) that you pay each month, such as credit cards, alimony, or other expenses

2a. Other Liabilities and Expenses

Include all other liabilities and expenses below. Choose from the types listed here: • Alimony • Child Support • Separate Maintenance • Job Related Expenses • Other

Liabilitity Type

Monthly Payment

Liabilitity Type

Monthly Payment

Liabilitity Type

Monthly Payment

Section 3. Loan and Property Information

This section asks about the loan’s purpose and the property you want to purchase or refinance.

3a. Loan and Property Information

First Name *

Last Name *

Seller Email Address *

Loan Amount

Loan PurchasePurchaseRefinanceOther

Street Address

Apartment, suite, etc

City

State/Province

ZIP / Postal Code

Number of Units

Property Value

OccupancyPrimary ResidenceSecond HomeInvestment Property

Mixed-Use PropertyNoYesIf you will occupy the property, will you set aside space within the property to operate your own business? (e.g., daycare facility, medical office, beauty/barber shop)

Manufactured HomeNoYesIs the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis)

3b. Rental Income on the Property You Want to Purchase

Expected Monthly Rental Income

3d. Gifts or Grants You Have Been Given or Will Receive for this Loan

Include all gifts and grants below. Under Source, choose from the sources listed here: • Community Nonprofit • Employer • Federal Agency • Local Agency • Relative • Religious Nonprofit • State Agency • Unmarried Partner • Lender • Other

Select Type

Desposited/Not DepositedDepositedNot Deposited

Source

Cash or Market Value

Section 4: Declarations.

This section asks you specific questions about the property, your funding, and your past financial history

4a. About this Property and Your Money for this Loan

A. Will you occupy the property as your primary residence? *NoYes

If YES, have you had an ownership interest in another property in the last three years?NoYes

(1) What type of property did you own: primary residence (PR), FHA secondary residence (SR), second home (SH), or investment property (IP)?

(2) How did you hold title to the property: by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property? *NoYes

C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? *NoYes

If YES, what is the amount of this money?

D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? *NoYes

2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?NoYes

E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? *NoYes

5b. About Your Finances

F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? *NoYes

G. Are there any outstanding judgments against you? *NoYes

H. Are you currently delinquent or in default on a Federal debt? *NoYes

I. Are you a party to a lawsuit in which you potentially have any personal financial liability? *NoYEs

J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? *NoYes

K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due? *NoYes

L. Have you had property foreclosed upon in the last 7 years?NoYes

M. Have you declared bankruptcy within the past 7 years? *NoYes

If YES, identify the type(s) of bankruptcy:

Chapter 7Chapter 11Chapter 12Chapter 13

Section 6: Acknowledgments and Agreements.

This section tells you about your legal obligations when you sign this application.

Acknowledgments and Agreements

Definitions:
• "Lender" includes the Lender’s agents, service providers, and any of their successors and assigns. • "Other Loan Participants" includes (i) any actual or potential owners of a loan resulting from this application (the “Loan”), (ii) acquirers of any beneficial or other interest in the Loan, (iii) any mortgage insurer, (iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these parties' service providers, successors or assigns.
I agree to, acknowledge, and represent the following:
(1) The Complete Information for this Application
• The information I have provided in this application is true, accurate, and complete as of the date I signed this application.
• If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application, including providing any updated/supplemented real estate sales contract.
• For purchase transactions: The terms and conditions of any real estate sales contract signed by me in connection with this application are true, accurate, and complete to the best of my knowledge and belief. I have not entered into any other agreement, written or oral, in connection with this real estate transaction.
• The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan.
• Any intentional or negligent misrepresentation of information may result in the imposition of:
(a) civil liability on me, including monetary damages, if a person suffers any loss because the person relied on any misrepresentation that I have made on this application, and/or
(b) criminal penalties on me including, but not limited to, fine or imprisonment or both under the provisions of Federal law (18 U.S.C. §§ 1001 et seq.).
(2) The Property’s Security
The Loan I have applied for in this application will be secured by a mortgage or deed of trust which provides the Lender a security interest in the property described in this application.
(3) The Property’s Appraisal, Value, and Condition
• Any appraisal or value of the property obtained by the Lender is for use by the Lender and Other Loan Participants.
• The Lender and Other Loan Participants have not made any representation or warranty, express or implied, to me about the property, its condition, or its value. (4) Electronic Records and Signatures
• The Lender and Other Loan Participants may keep any paper record and/or electronic record of this application, whether or not the Loan is approved.

• If this application is created as (or converted into) an “electronic application”, I consent to the use of “electronic records” and “electronic signatures” as the terms are defined in and governed by applicable Federal and/or state electronic transactions laws.
• I intend to sign and have signed this application either using my:
(a) electronic signature; or
(b) a written signature and agree that if a paper version of this application is converted into an electronic application, the application will be an electronic record, and the representation of my written signature on this application will be my binding electronic signature.
• I agree that the application, if delivered or transmitted to the Lender or Other Loan Participants as an electronic record with my electronic signature, will be as effective and enforceable as a paper application signed by me in writing.
(5) Delinquency
• The Lender and Other Loan Participants may report information about my account to credit bureaus. Late payments, missed payments, or other defaults on my account may be reflected in my credit report and will likely affect my credit score.
• If I have trouble making my payments I understand that I may contact a HUD-approved housing counseling organization for advice about actions I can take to meet my mortgage obligations.
(6) Authorization for Use and Sharing of Information
By signing below, in addition to the representations and agreements made above, I expressly authorize the Lender and Other Loan Participants to obtain, use, and share with each other (i) the loan application and related loan information and documentation, (ii) a consumer credit report on me, and (iii) my tax return information, as necessary to perform the actions listed below, for so long as they have an interest in my loan or its servicing:
(a) process and underwrite my loan;
(b) verify any data contained in my consumer credit report, my loan application and other information supporting my loan application;
(c) inform credit and investment decisions by the Lender and Other Loan Participants;
(d) perform audit, quality control, and legal compliance analysis and reviews;
(e) perform analysis and modeling for risk assessments;
(f) monitor the account for this loan for potential delinquencies and determine any assistance that may be available to me; and
(g) other actions permissible under applicable law.

Borrower Signature *

Date *

Section 7: Co-Borrower Signature Authorization

This section tells you about your legal obligations when you sign this application.

l/We hereby authorize CALL THE UNDERWRITER,LLC to verify my past and present employment earnings records, bank accounts, stockholdings, and any other asset balances that are needed to process my mortgage loan application. I/We further authorize CALL THE UNDERWRITER, LLC to order a consumer credit report and verify
other credit information, including past and present mortgages, and landlord references.

CALL THE UNDERWRITER, LLC may also utilize the services of CREDIT REPORTING SERVICES, INC to further verify my personal credit information and the information CALL THE UNDERWRITER, LLC obtains is only to be used in the processing of my application for a mortgage loan. It is understood that a copy of this form will also serve
as authorization. This authorization expires 120 days from the date indicated below.

Privacy Act Notice: This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your application for
approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et. seq. (if USDA/FmHA)

Borrower Signature *

Date *

Section 8: Demographic Information.

This section asks about your ethnicity, sex, and race

Demographic Information of Borrower

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

The Demographic Information was provided through:Face-to-Face Interview (includes Electronic Media w/ Video Component)Telephone InterviewFax or MailEmail or Internet

Income Document Submission Categories

Select Your Income Type and Submit the Appropriate Requested Documents *

W-2 Wage Earner | 2 most recent paystubs, and previous years W-2Self-Employed | Previous year's Tax Return, and/or 12 months of current back deposits, or 1099Pension, Social Security, Disability, VA | Award Letters, and/or Previous Year's 1099

Upload the appropriate requested Financial Documents per the choice your selected. *

Financial Documents

Co-Borrower Requirement *

I agree to forward my Co-Borrower the Co-Bowrroerr Residential Loan Application

Save as Draft

Uniform Residential Loan Application

Section 1: Borrower Information.

This section asks about your personal information and your income from employment and other sources, such as retirement, that you want considered to qualify for this loan.

1a. Personal Information

1b. Current Employment/Self-Employment and Income

1c. Previous Employment If Less Than 2 Years

Check if this statement applies:

Gross Monthly Income

Check if you are the Business Owner or Self-Employed

1d. Income from Other Sources

Section 2: Financial Information — Assets and Liabilities

This section asks about things you own that are worth money and that you want considered to qualify for this loan. It then asks about your liabilities (or debts) that you pay each month, such as credit cards, alimony, or other expenses

2a. Other Liabilities and Expenses

Include all other liabilities and expenses below. Choose from the types listed here: • Alimony • Child Support • Separate Maintenance • Job Related Expenses • Other

Section 3. Loan and Property Information

This section asks about the loan’s purpose and the property you want to purchase or refinance.

3a. Loan and Property Information

3b. Rental Income on the Property You Want to Purchase

3d. Gifts or Grants You Have Been Given or Will Receive for this Loan

Include all gifts and grants below. Under Source, choose from the sources listed here: • Community Nonprofit • Employer • Federal Agency • Local Agency • Relative • Religious Nonprofit • State Agency • Unmarried Partner • Lender • Other

Section 4: Declarations.

This section asks you specific questions about the property, your funding, and your past financial history

4a. About this Property and Your Money for this Loan

5b. About Your Finances

If YES, identify the type(s) of bankruptcy:

Section 6: Acknowledgments and Agreements.

This section tells you about your legal obligations when you sign this application.

Acknowledgments and Agreements

Section 7: Co-Borrower Signature Authorization

This section tells you about your legal obligations when you sign this application.

Section 8: Demographic Information.

This section asks about your ethnicity, sex, and race

Demographic Information of Borrower

Ethnicity

Type of Ethnicity

Race

Sex

Income Document Submission Categories

Select Your Income Type and Submit the Appropriate Requested Documents *

Co-Borrower Requirement *