Verify and complete the information on this application. If you are applying for this loan with others, each additional Borrower must provideinformation as directed by your Lender.
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.
(Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered
Reciprocal Beneficiary Relationship)
How Long at Current Address?
How Long at Former Address?
How long in this line of work?
Check if this statement applies:
Gross Monthly Income
Provide at least 2 years of current and previous employment and income.
Check if you were the Business Owner or Self-Employed
Previous Gross Monthly
Include income from other sources below. Under Income Source, choose from the sources listed here:
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 here:
Include all other assets and credits below. Under Asset or Credit Type, choose from the types listed here:
Include all other liabilities and expenses below. Choose from the types listed here:
This section asks you to list all properties you currently own and what you owe on them.
If you are refinancing, list the property you are refinancing FIRST.
Mortgage Loans on this Property
This section asks about the loan's purpose and the property you want to purchase or refinance.
1. Mixed-Use Property. If you will occupy the property, will you set aside space within the property to operateyour 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)
Include all gifts and grants below. Under Source, choose from the sources listed here:
This section asks about specific questions about the property, your funding, and your pastfinancial history.
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:
(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)?
If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the
seller of the property?
Are you borrowing any money for this real estate transaction(e.g., money for your closing costs or down
obtaining any money from another party, such as seller or realtor, that you have not disclosed on this
loan application?If YES, what is the amount of this money?
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 ne
Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paidthrough your property taxes (e.g., the Property Assessed Clean Energy Program) ?
Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
Are there any outstanding judgments against you?
Are you currently delinquent or in default on a federal debt?
Are you a party to a lawsuit in which you potentially have any personal financial liability?
Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
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?
Have you had property foreclosed upon in the last 7 years?
Have you declared bankruptcy within the past 7 years?
If YES, identify the type(s) of bankruptcy:
This section tells you about your legal obligations when you sign this application.
Note: Please upload an image of your signature on white paper.
Military Service of Borrower
Military Service NO YES- 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:
This section asks about your ethnicity, sex, and race.
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 mortgagedisclosure 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 onwhether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federalregulations 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.
For Example: Argentinean, Colombian, Dominican,Nicaraguan, Salvadoran, Spaniard, and so on.
For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
For example: Fijian, Tongan, and so on.
To Be Completed by Financial Institution (for application taken in person):
Was the ethnicity of the Borrower collected on the basis of visual observation or surname?
Was the sex of the Borrower collected on the basis of visual observation or surname?
Was the race of the Borrower collected on the basis of visual observation or surname
The Demographic Information was provided through: