Uniform Residential Loan Application Complete

Uniform Residential Loan Application

Verify and complete the information on this application.

If you are applying for this loan with others, each additional Borrower must provide information as directed by your Lender.

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

(or Individual Taxpayer Identification Number)
– List any names by which you are known or any names under which credit was previously received (First, Middle, Last, Suffix)
(mm/dd/yyyy)
Citizenship
Type of Credit *

Joint Borrower(s) Information

Add Additional Borrower

Please indicate Yes if each Borrower intends to apply for joint credit.

Marital Status

Current Status *

Unmarried Addendum

For Borrower Selecting the Unmarried Status

If you selected “Unmarried” in Section 1, is there a person who is not your legal spouse but who currently has real property rights similar to those of a legal spouse?

Indicate the type of relationship and the State in which the relationship was formed. For example, indicate if you are in a civil union, domestic partnership, registered reciprocal beneficiary relationship, or other relationship recognized by the State in which you currently reside or where the property is located.

Dependent Information

(not listed by another Borrower)
List dependent ages separated by a comma

Contact Information

Current Address
Current Address
City
State/Province
Zip/Postal
Country
How Long at Current Address?
Housing
$
If at Current Address for LESS than 2 years, list Former Address
Former Address
Former Address
City
State/Province
Zip/Postal
Country
How Long at Current Address?
Housing
$
Mailing Address – if different from Current Address
Mailing Address
Mailing Address
City
State/Province
Zip/Postal
Country

1b. Current Employment/Self-Employment and Income

Check if this Section 1b Does not Apply
Address
Address
City
State/Province
Zip/Postal
Country
$
per month
$
per month
$
per month
$
per month
$
per month
$
per month
$
per month
How long in this line of work?
Check if this statement applies:
$

1c. IF APPLICABLE, Complete Information for Additional Employment/Self-Employment and Income

Check if this Section 1c Does not Apply
Address
Address
City
State/Province
Zip/Postal
Country
$
per month
$
per month
$
per month
$
per month
$
per month
$
per month
per month
How long in this line of work?
Check if this statement applies:
$

1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income

Provide at least 2 years of current and previous employment and income.

Check if this Section 1d Does not Apply
Address
Address
City
State/Province
Zip/Postal
Country
$
per month

1e. Income from Other Sources

Check if this Section 1e Does not Apply
Include income from other sources below. Under Income Source, choose from the sources listed.

NOTE: Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.

Income Sources

$
$
Amount in USD $

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.
Include all accounts below. Under Account Type, choose from the types listed.

Asset Account Types

$
$
Amount in USD $

2b. Other Assets and Credits You Have

Check if this Section 2b Does not Apply
Include all other assets and credits below. Under Asset or Credit Type, choose from the types listed.

Asset or Credit Type

$
$
Amount in USD $

2c. Liabilities – Credit Cards, Other Debts, and Leases that You Owe

Check if this Section 2c Does not Apply
List all liabilities below (except real estate) and include deferred payments. Under Account Type, choose from the types listed.

$
in USD
To be paid off at or before closing
$
in USD

2d. Other Liabilities and Expenses

Check if this Section 2d Does not Apply
Include all other liabilities and expenses below. Choose from the types listed.

$

Section 3: Financial Information — Real Estate.

This section asks you to list all properties you currently own and what you owe on them.
I do not own any real estate
3a. Property You Own
If you are refinancing, list the property you are refinancing FIRST.
Address
Address
City
State/Province
Zip/Postal
Country
$
in USD
$
if not included in Monthly Mortgage Payment in USD
$
For 2-4 Unit Primary or Investment Property in USD
(Net Monthly Rental Income ) For 2-4 Unit Primary or Investment Property in USD
Mortgage Loans on this Property

$
in USD
$
in USD
To be paid off at or before closing
$
in USD

3b. IF APPLICABLE, Complete Information for Additional Property

Check if this Section 3b Does not Apply
Address
Address
City
State/Province
Zip/Postal
Country
$
in USD
$
if not included in Monthly Mortgage Payment in USD
$
For 2-4 Unit Primary or Investment Property in USD
(Net Monthly Rental Income ) For 2-4 Unit Primary or Investment Property in USD
Mortgage Loans on this Property

$
in USD
$
in USD
To be paid off at or before closing
$
in USD

3c. IF APPLICABLE, Complete Information for Additional Property

Check if this Section 3c Does not Apply
Address
Address
City
State/Province
Zip/Postal
Country
$
in USD
$
if not included in Monthly Mortgage Payment in USD
$
For 2-4 Unit Primary or Investment Property in USD
(Net Monthly Rental Income ) For 2-4 Unit Primary or Investment Property in USD
Mortgage Loans on this Property

$
in USD
$
in USD
To be paid off at or before closing
$
in USD

Section 4: Loan and Property Information.

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

4a. Loan and Property Information

Loan Purpose
Address
Address
City
State/Province
Zip/Postal
Country
$
in USD
$
in USD
Occupancy
1. Mixed-Use Property. If 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)
2. Manufactured Home. Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis)

4b. Other New Mortgage Loans on the Property You are Buying or Refinancing

Check if this Section 4b Does not Apply

Repeater

Lien Type
$
in USD
$
in USD
$
in USD

4c. Rental Income on the Property You Want to Purchase

For Purchase Only
Check if this Section 4c Does not Apply
Complete if the property is a 2-4 Unit Primary Residence or an Investment Property
$
in USD
Amount in USD

4d. Gifts or Grants You Have Been Given or Will Receive for this Loan

Check if this Section 4d Does not Apply
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

Deposited/Not Deposited
$
in USD

Section 5: Declarations.

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

5a. About this Property and Your Money for this Loan

A. Will you occupy the property as your primary residence? *
If YES, have you had an ownership interest in another property in the last three years?
If YES, complete (1) and (2) below:
primary residence (PR), FHA secondary residence (SR), second home (SH), or investment property (IP)
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?
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?
$
in USD
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?
2. Have you or will you be applying for any new credit (e.g., installmentloan, credit card, etc.) on or before closing thisloan that is not disclosed on this application?
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)?

5b. About Your Finances

F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
G. Are there any outstanding judgments against you?
H. Are you currently delinquent or in default on a Federal debt?
I. Are you a party to a lawsuit in which you potentially have any personal financial liability?
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
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?
L. Have you had property foreclosed upon in the last 7 years?
M. Have you declared bankruptcy within the past 7 years?
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
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.

Section 7: Military Service.

This section asks questions about your (or your deceased spouse's) military service.

Military Service of Borrower

Military Service – Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?
If YES, check all that apply:

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.
Ethnicity: Check one or more
if Hispanic or Latino then Select
For example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.
Sex
Race: Check one or more
if Asian then Select
For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
if Native Hawaiian or Other Pacific Islander
For example: Fijian, Tongan, and so on.

Section 9: Loan Originator Information.

To be completed by your Loan Originator.

Upload supporting documentation including pay stubs, statements, etc.

Maximum file size: 262.14MB