Application

Step 1 of 15

Getting Started

Lets start with the basics.

Name

First Last

Phone

Date of Birth

Month123456789101112

Day12345678910111213141516171819202122232425262728293031

Year202720262025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920

Credit Check Authorization

By clicking “I AGREE” to hereby grant permission for us to obtain all information deemed necessary to process your mortgage loan application. This information includes, but is not limited to, your past and present employment status, your deposit accounts, your past and present consumer credit record, your mortgage record and/or your rental record.

Credit(Required)

I Agree – to the Credit Check Authorization

I Disagree – to the Credit Check Authorization

In order to complete an online application, you must agree to this disclosure. If you do not wish to agree to these terms, please close this window and contact one of our staff members to assist you over the phone

Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: As part of applying for your mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Patriot(Required)

I Agree – to the Patriot Act

I Disagree – to the Patriot Act

Electronic Disclosures Authorization

By applying for a loan online, you agree to accept all applicable disclosures associated with this transaction in an electronic form, including disclosures required by the Truth in Lending Act, Real Estate Settlement Procedures Act and Equal Credit Opportunity Act. Paper copies will be provided for certain real estate related transactions after your loan application is received.

EDA(Required)

I Agree – to the Electronic Disclosures Authorization

I Disagree – to the Electronic Disclosures Authorization

Acknowledgements and Agreements

Mortgage Loan / Agreements Acknowledgements 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.

Acknowledgement(Required)

I Agree – to the Electronic Disclosures Authorization

I Disagree – to the Electronic Disclosures Authorization

Will you be applying for this loan by yourself or with co-borrower(s)?

Co Borrower(Required)

By Myself

I will have a co-borrower(s)

Co-Borrowers Enter your co-borrower(s) information below. We will send them a invitation via the email address and phone number provided below. Note: Your co-borrower(s) will not be able to see any of your personal information. For security, the invitation will only be good for 24 hours. After that, you will need to send a new invitation.

Name

First Last

Phone

Date of Birth

Section 1 Borrowers 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.

Name (First, Middle, Last, Suffix)(Required)

SSN(Required)

Alternate Names

List any name by which you are known or any names under which credit was previously received (First, Middle, Last, Suffix) seperate multiple name with a semi colon (;)

Date of Birth(Required)

Citizenship(Required)

U.S.Citizenship

Permanent Resident Alien

Non-Permanent Resident Alien

Type of Credit(Required)

I am applying for individual credit

I am applying for joint credit.

Total Number of Borrowers:

Each Borrower intends to apply for joint credit.

Your initials

List Names(s) of Other Borrower(s) Applying for this loan(First, Middle, Last, Suffix) – Use a separator between names

Marital Status(Required)

Married

Separated

Unmarried (Single,Divorced, Widowed, Civil Union, Domestic Partnership, Registered Reciprocal Beneficiary Relationship)

Dependents (not listed by another Borrower)

Number(Required)

Ages(Required)

Contact Information

Home Phone

Cell Phone(Required)

Work Phone

Email(Required)

Current Address

Street(Required)

Unit #

City(Required)

State(Required)

Please selectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaUS Virgin IslandsVermontWashingtonWisconsinWest VirginiaWyoming

Zip Code(Required)

Country(Required)

How Long at Current Address

Years(Required)

Months(Required)

Housing(Required)

No primary housing expense

Own

Rent

Rent/ month(Required)

If at Current Address for LESS than 2 years, list Former Address

1a current Does not apply(Required)

Does not apply

Street(Required)

Unit #

City(Required)

State(Required)

Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNevadaNew MexicoNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaUS Virgin IslandsVermontWashingtonWisconsinWest VirginiaWyoming

ZIP(Required)

Country(Required)

How Long at Former Address

Years(Required)

Months(Required)

Housing(Required)

No primary housing expense

Own

Rent

Rent/ month(Required)

Mailing Address – if different from Current Address

1a mailing Does not apply

Does not apply

Street(Required)

Unit #

City(Required)

State(Required)

Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMaineMarylandMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaU.S. Virgin IslandsVermontWashingtonWest VirginiaWisconsinWyoming

ZIP(Required)

Country(Required)

1b. Current Employment/Self-Employment and Income

1b. Does not apply

Does not apply

Employer or Business Name(Required)

Phone(Required)

Street(Required)

Unit #

City(Required)

State(Required)

Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMaineMarylandMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaU.S. Virgin IslandsVermontWashingtonWest VirginiaWisconsinWyoming

ZIP(Required)

Country(Required)

Position or Title(Required)

Start Date(Required)

Month123456789101112

Day12345678910111213141516171819202122232425262728293031

How long in this line of work?

Years(Required)

Months(Required)

Check if this statement applies:

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

Check if you are Business Owner or Self Employed

Ownership % Share(Required)

I have an ownership share of less than 25%

I have an ownership share of 25% or more

Monthly Income ( or Loss )

Gross Monthly Income

Base $ / month

Overtime $ / month

Bonus $ / month

Commission $ / month

Military Entitlements $ / month

Others $ / month

Total $ / month

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

1.c header Does not apply

Does not apply

1c Employer or Business Name

Phone

Street

Unit #

City

State

Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMaineMarylandMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaU.S. Virgin IslandsVermontWashingtonWest VirginiaWisconsinWyoming

ZIP

Country

Position or Title

Start Date (mm/dd/yyyy)

Month123456789101112

Day12345678910111213141516171819202122232425262728293031

How long in this line of work?

Years

Months

Check if this statement applies:

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

1c Check if you are the Business Owner or Self-Employed

Check if you are the Business Owner or Self-Employed

Ownership %Share

I have an ownership share of less than 25%.

I have an ownership share of 25% or more.

Monthly Income ( or Loss ) $

Gross Monthly Income

Base $ / month

Overtime $ / month

Bonus $ / month

Commission $ / month

Military Entitlements $ / month

Other $ / month

TOTAL $ / month

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

1d Does not apply

Does not apply

1d Employer or Business Name

Street

Unit #

City

State

Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMaineMarylandMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaU.S. Virgin IslandsVermontWashingtonWest VirginiaWisconsinWyoming

ZIP

Country

Position or Title

Start Date (mm/dd/yyyy)

Month123456789101112

Day12345678910111213141516171819202122232425262728293031

End Date (mm/dd/yyyy)

Month123456789101112

Day12345678910111213141516171819202122232425262728293031

Check if you were the Business Owner or Self-Employed

Previous Gross Monthly Income/ month $

1e. Income from Other Sources

1e Does not apply

Does not apply

Include income from other sources below. Under Income Source, choose from the sources listed here:

Alimony
Automobile Allowance
Boarder Income
Capital Gains

Child Support
Disability
Foster Care
Housing or Parsonage

Interest and Dividends
Mortage Credit Certificate
Mortage Differential Payments

Notes Receivable
Public Assistance
Retirement (eg., Pansion, IRA)

Royalty Payments
Separate Maintenance
Social Security
Trust

Unemployment Benefits
VA Compensation
Other

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

Income Source – use list above

Please SelectAlimonyAutomobile AllowanceBoarder IncomeAlimonyAutomobile AllowanceBoarder IncomeCapital GainsChild SupportDisabilityFoster CareHousing or ParsonageInterest and DividendsMortgage Credit CertificateMortgage Differential PaymentsNotes ReceivablePublic AssistanceRetirement(e.g., Pension, IRA)Royalty PaymentsSeparate MaintenanceSocial SecurityTrustUnemployment BenefitsVA CompensationOther

Monthly Income

Income Source – use list above

Please SelectAlimonyAutomobile AllowanceBoarder IncomeCapital GainsChild SupportDisabilityFoster CareHousing or ParsonageInterest and DividendsMortgage Credit CertificateMortgage Differential PaymentsNotes ReceivablePublic AssistanceRetirement(e.g., Pension, IRA)Royalty PaymentsSeparate MaintenanceSocial SecurityTrustUnemployment BenefitsVA CompensationOther

Monthly Income

Income Source – use list above

Monthly Income

Income Source – use list above

Total Monthly Income

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Section2: 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. Assets – Bank Accounts, Retirement, and Other Accounts You Have

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

Include income from other sources below. Under Income Source, choose from the sources listed here:

Checking
Savings
Money Market

Certificate of Deposit
Mutual Fund
Stocks

Stock Options
Bonds
Retirement (e.g., 401k, IRA)

Bridge Loan Proceeds
Individual Development Account

Trust Account
Cash Value of Life Insurance (used for the transaction)

Account Type – use list above

Please SelectBondsBridge Loan ProceedsCash Value of Life Insurance (used for the transaction)Certificate of DepositCheckingIndividual Development AccountMoney MarketMutual FundRetirement (e.g., 401k, IRA)SavingsStock OptionsStocksTrust Account

Financial Institution

Account Number

Cash or Market Value

Account Type – use list above

Financial Institution

Account Number

Cash or Market Value

Account Type – use list above

Financial Institution

Account Number

Cash or Market Value

Account Type – use list above

Financial Institution

Account Number

Cash or Market Value

Account Type – use list above

Financial Institution

Account Number

Cash or Market Value

Provide TOTAL Amount Here

Total Cash or Market Value

2b. Other Assets and Credits You Have

2b Does not apply

Does not apply

Include all other assets and credits below. Under Asset or Credit Type, choose from the types listed here:

Assets

Proceeds from Real Estate Property to be sold on or before closing

Proceeds from Sale of Non-Real Estate Asset
Secured Borrowed Funds

Unsecured Borrowed Funds
Others

Credits

Earnest Money
Employer Assistance
Lot Equity

Relocation Funds
Rent Credit

Sweat Equity
Trade Equity

Asset or Credit Type – use list above

Please SelectEarnest MoneyEmployer AssistanceLot EquityProceeds from Real Estate Property to be sold on or before closingProceeds from Sale of Non-Real Estate AssetRelocation FundsRent CreditSecured Borrowed FundsSweat EquityTrade EquityUnsecured Borrowed FundsOther

Cash or Market Value

Asset or Credit Type – use list above

2b Cash or Market Value

Asset or Credit Type – use list above

2b Cash or Market Value

Asset or Credit Type – use list above

2b Cash or Market Value

2b Asset or Credit Total

2b Cash or Market Value Total

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

2c Does not apply

Does not apply

List all liabilities below (except real estate) and include deferred payments. Under Account Type, choose from the types listed here:

Revolving (e.g., credit cards)

Installment (eg., car, student, personal loans)

Open 30-Day (balance paid monthly)

Lease (not real estate)

Other

Account Type – use list above

Please SelectInstallment (e.g., car, student, personal loans)Lease (not real estate)Open 30-Day (balance paid monthly)Revolving (e.g., credit cards)Other

Company Name

Account Number

Unpaid Balance

2c To be paid off at or before closing

To be paid off at or before closing

Monthly Payment

Account Type – use list above

Please SelectInstallment (e.g., car, student, personal loans)Lease (not real estate)Open 30-Day (balance paid monthly)Revolving (e.g., credit cards)Other

Company Name

Account Number

Unpaid Balance

2c1 To be paid off at or before closing

To be paid off at or before closing

Monthly Payment

Account Type – use list above

Please SelectInstallment (e.g., car, student, personal loans)Lease (not real estate)Open 30-Day (balance paid monthly)Revolving (e.g., credit cards)Other

Company Name

Account Number

Unpaid Balance

2C2 To be paid off at or before closing

To be paid off at or before closing

Monthly Payment

Account Type – use list above

Please SelectInstallment (e.g., car, student, personal loans)Lease (not real estate)Open 30-Day (balance paid monthly)Revolving (e.g., credit cards)Other

Company Name

Account Number

Unpaid Balance

2C3 To be paid off at or before closing

To be paid off at or before closing

Monthly Payment

Account Type – use list above

Please SelectInstallment (e.g., car, student, personal loans)Lease (not real estate)Open 30-Day (balance paid monthly)Revolving (e.g., credit cards)Other

Company Name

Account Number

Unpaid Balance

2C4 To be paid off at or before closing

To be paid off at or before closing

Monthly Payment

2d. Other Liabilities and Expenses

2D Header Does not apply

Does not apply

Include all other liabilities and expenses below. Choose from the types listed here:

Alimony

Child Support

Separate Maintenance

Job Related Expenses

Other

Include all other liabilities and expenses below. Choose from the types listed here

Please SelectAlimonyChild SupportSeparate MaintenanceJob Related ExpensesOther

Monthly Payment

Include all other liabilities and expenses below. Choose from the types listed here

Please SelectAlimonyChild SupportSeparate MaintenanceJob Related ExpensesOther

Number

Include all other liabilities and expenses below. Choose from the types listed here

Please SelectAlimonyChild SupportSeparate MaintenanceJob Related ExpensesOther

Number

Include all other liabilities and expenses below. Choose from the types listed here

Please SelectAlimonyChild SupportSeparate MaintenanceJob Related ExpensesOther

Number

Others

Number

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Section 3: Financial Information – Real Estate.

This section asks you to list all properties you currently own and what you owe on them.

3 begins I do not own any real estate

I do not own any real estate

3a. Property You Own

If you are refinancing, list the property you are refinancing FIRST.

Address

Street

Unit #

City

State

Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMaineMarylandMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaU.S. Virgin IslandsVermontWashingtonWest VirginiaWisconsinWyoming

ZIP

Country

Property Value

Status: Sold, Pending Sale, or Retained

Please SelectPending SaleRetainedSold

Intended Occupancy: Investment, Primary Residence, Second Home, Other

Please SelectInvestmentPrimary ResidenceSecond HomeOther

Monthly Insurance, Taxes, Association Dues, etc. if not included in Monthly Mortgage Payment

For 2-4 Unit Primary or Investment Property

Monthly Rental Income

For LENDER to calculate: Net Monthly Rental Income

Mortgage Loans on this Property

3a Mortgage Does not apply

Does not apply

Creditor Name 1

Account Number

Monthly Mortgage Payment

Unpaid Balance

To be paid off at or before closing

Type: FHA, VA, Conventional, USDA-RD, Other

Please SelectConventionalFHAUSDA-RDVAOther

Credit Limit (if applicable)

Creditor Name 2

Account Number

Monthly Mortgage Payment

Unpaid Balance

To be paid off at or before closing

Type: FHA, VA, Conventional, USDA-RD, Other

Please SelectConventionalFHAUSDA-RDVAOther

Credit Limit (if applicable)

3b. IF APPLICABLE, Complete Information for Additional Property

3b Header Does not apply

Does not apply

Address

Street

Unit #

City

State

Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMaineMarylandMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaU.S. Virgin IslandsVermontWashingtonWest VirginiaWisconsinWyoming

ZIP

Country

Property Value

Status: Sold, Pending Sale, or Retained

Please SelectPending SaleRetainedSold

Intended Occupancy: Investment, Primary Residence, Second Home, Other

Please SelectInvestmentPrimary ResidenceSecond HomeOther

Monthly Insurance, Taxes, Association Dues, etc. if not included in Monthly Mortgage Payment

For 2-4 Unit Primary or Investment Property

Monthly Rental Income

For LENDER to calculate: Net Monthly Rental Income

3b Mortgage Loan on this Property

Does not apply

Creditor Name

Account Number

Monthly Mortgage Payment

Unpaid Balance

To be paid off at or before closing

Type: FHA, VA, Conventional, USDA-RD, Other

Please SelectConventionalFHAUSDA-RDVAOther

Credit Limit (if applicable)

Creditor Name

Account Number

Monthly Mortgage Payment

Unpaid Balance

To be paid off at or before closing

Type: FHA, VA, Conventional, USDA-RD, Other

Please SelectConventionalFHAUSDA-RDVAOther

Credit Limit (if applicable)

3c. IF APPLICABLE, Complete Information for Additional Property

3c Header Does not apply

Does not apply

Address

Street

Unit #

City

State
Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMaineMarylandMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaU.S. Virgin IslandsVermontWashingtonWest VirginiaWisconsinWyoming

ZIP

Country

Property Value

Status: Sold, Pending Sale or Retained
Please SelectPending SaleRetainedSold

Intended Occupancy: Investment, Primary Residence, Second Home, Other
Please SelectInvestmentPrimary ResidenceSecond HomeOther

Monthly Insurance, Taxes, Association Dues, etc. If not included in Monthly Mortgage Payment

For 2-4 Unit Primary or Investment Property

Monthly Rental Income

For LENDER to calculate: Net Monthly Rental Income

Mortgage Loans on this Property

3c Mortgage Does not apply
Does not apply

Creditor Name

Account Number

Monthly Mortgage Payment

Unpaid Balance

3c 1 check box
To be paid off at or before closing

Type: FHA, VA, Conventional, USDA-RD, Other
Please SelectConventionalFHAUSDA-RDVAOther

Credit Limit (if applicable)

Creditor Name

Account Number

Monthly Mortgage Payment

Unpaid Balance

3c 2nd check box
To be paid off at or before closing

Type: FHA, VA, Conventional, USDA-RD, Other
Please SelectConventionalFHAUSDA-RDVAOther

Credit Limit (if applicable)

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Section 4: Loan and Property Information.
This section asked about the loan’s purpose and the property you want to purchase or refinance.

4a. Loan and Property Information
Loan Amount $
Loan Purpose

Purchase

Refinance

Other (specify)
Please specify Loan Purpose
Property Address
Street
Unit #
City
State
Please SelectU.S. Armed Forces – AmericasU.S. Armed Forces – EuropeAlaskaAlabamaU.S. Armed Forces – PacificArkansasAmerican SamoaArizonaCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaMicronesiaGeorgiaGuamHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMaineMarylandMarshall IslandsMichiganMinnesotaMissouriNorthern Mariana IslandsMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaPuerto RicoPalauRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaU.S. Virgin IslandsVermontWashingtonWest VirginiaWisconsinWyoming
ZIP
Country
Number of Units
Property Value $
Occupancy

Primary Residence

Second Home

Investment
FHA Secondary Residence

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

No

Yes
2. Manufactured Home. Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis)

No

Yes
4b. Other New Mortgage Loans on the Property You are Buying or Refinancing
4b. Does not apply
Does not apply
Creditor Name
Lien Type

First Lien

Subordinate Lien
Monthly Payment
Loan Amount/ Amount to be Drawn
Credit Limit (if applicable)
Creditor Name
Lien Type

First Lien

Subordinate Lien
Monthly Payment
Loan Amount/ Amount to be Drawn
Credit Limit (If applicable)
4c. Rental Income on the Property You Want to Purchase For Purchase Only
4c. Does not apply
Does not apply
Complete if the property is a 2-4 Unit Primary Residence or an Investment Property
Expected Monthly Rental Income
For LENDER to calculate: Expected Net Monthly Rental Income
4d. Gifts or Grants You Have Been Given or Will Receive for this Loan
4d. Does not apply
Does not apply
Include all gifts and grants below. Under Source, choose from the sources listed here:

Community Non Profit

Federal Agency

Relative

State Agency

Lender

Employer

Local Agency

Religious Nonprofit

Unmarried Partner

Other

Asset Type: Cash Gift, Gift of Equity, Grant
Please SelectCash GiftGift of EquityGrant
Deposited/ Not Deposited

Deposited

Not Deposited
Source – use list above
Please SelectCommunity NonprofitFederal AgencyEmployerLocal AgencyRelativeState AgencyReligious NonprofitUnmarried PartnerLenderOther
Cash or Market Value
Asset Type: Cash Gift, Gift of Equity, Grant
Please SelectCash GiftGift of EquityGrant
Deposited/ Not Deposited

Deposited

Not Deposited
Source – use list above
Please SelectCommunity NonprofitFederal AgencyEmployerLocal AgencyRelativeState AgencyReligious NonprofitUnmarried PartnerLenderOther
Cash or Market Value
Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

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?(Required)

No

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

No

Yes
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)?(Required)
Please Selectinvestment propertyprimary residencesecond homeFHA secondary residence
(2) How did you hold title to the property: by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?(Required)
Please Selectjointly with another personby yourselfjointly with your spouse
B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?(Required)

No

Yes
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?(Required)

NO

YES
If YES, what is the amount of this money?(Required)
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?(Required)

NO

YES
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?(Required)

NO

YES
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)?(Required)

NO

YES
5b. About Your Finances
F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?

NO

YES
G. Are there any outstanding judgments against you?

NO

YES
H. Are you currently delinquent or in default on a Federal debt?(Required)

NO

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

NO

YES
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?(Required)

NO

YES
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?

NO

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

NO

YES
M. Have you declared bankruptcy within the past 7 years?(Required)

NO

YES
If YES, identify the type(s) of bankruptcy:(Required)
Chapter 7
Chapter 11
Chapter 12
Chapter 13
Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

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.

Date(Required)
MonthMonth123456789101112
DayDay12345678910111213141516171819202122232425262728293031
YearYear202720262025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920
Date(Required)
MonthMonth123456789101112
DayDay12345678910111213141516171819202122232425262728293031
YearYear202720262025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920
Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Section 7: Military Services.

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?
Military Service

No

Yes
If YES, check all that apply:
Currently serving on active duty with projected expiration date of service/tour
Currently retired, discharged, or separated from service
Only period of service was as a non-activated member of the Reserve or National Guard
Surviving spouse
Currently serving on active duty with projected expiration date of service/tour
MonthMonth123456789101112
DayDay12345678910111213141516171819202122232425262728293031
YearYear202720262025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920
Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

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
Hispanic or Latino
Hispanic or Latino
Not Hispanic or Latino
I do not wish to provide this information
Inner Hispanic or Latino
Mexican
Puerto Rican
Cuban
Other Hispanic or Latina – Print origin:
For example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.
Race
American Indian or Alaska Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White
I do not wish to provide this information
Print name of enrolled or principal tribe:
Inner Asian
Asian Indian
Chinese
Filipino
Japanese
Korean
Vietnamese
Other Asian – Print race:
For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
Inner Native Hawaiian or Other Pacific Islander
Native Hawaiian
Guamanian or Chamorro
Samoan
Other Pacific Islander – Print race:
For example: Fijian, Tongan, and so on.
Sex
Female
Male
I do not wish to provide this information
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?

NO

YES
Was the sex of the Borrower collected on the basis of visual observation or surname?

NO

YES
Was the race of the Borrower collected on the basis of visual observation or surname?

NO

YES
The Demographic Information was provided through:
FInal Radio

Face-to-Face Interview (includes Electronic Media w/ Video Component)

Telephone Interview

Fax or Mail

Email or Internet
Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Section 9: Loan Originator Information.

To be completed by your Loan Originator.

Loan Originator Information
This field is hidden when viewing the form
Loan Originator Organization Name
This field is hidden when viewing the form
Address
This field is hidden when viewing the form
Loan Originator Organization NMLSR ID#
This field is hidden when viewing the form
State License ID#
This field is hidden when viewing the form
Loan Originator Name
This field is hidden when viewing the form
Loan Originator NMLSR ID#
This field is hidden when viewing the form
State License ID#
This field is hidden when viewing the form
Email
This field is hidden when viewing the form
Phone
This field is hidden when viewing the form
Signature
This field is hidden when viewing the form
Date
MonthMonth123456789101112
DayDay12345678910111213141516171819202122232425262728293031
YearYear202720262025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920
Please upload the required documents
File
Max. file size: 50 MB.

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Community Non Profit	Federal Agency	Relative	State Agency	Lender
Employer	Local Agency	Religious Nonprofit	Unmarried Partner	Other

Application

Getting Started

Credit Check Authorization

Patriot Act

Electronic Disclosures Authorization

Acknowledgements and Agreements

Section 1 Borrowers 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.

Dependents (not listed by another Borrower)

Contact Information

Current Address

How Long at Current Address

If at Current Address for LESS than 2 years, list Former Address

How Long at Former Address

Mailing Address – if different from Current Address

1b. Current Employment/Self-Employment and Income

How long in this line of work?

Gross Monthly Income

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

How long in this line of work?

Gross Monthly Income

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

1e. Income from Other Sources

Include income from other sources below. Under Income Source, choose from the sources listed here:

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

Uniform Residential Loan Application Freddie Mac Form 65 – Fannie Mae Form 1003 Effective 1/2021

Section2: 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. Assets – Bank Accounts, Retirement, and Other Accounts You Have

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

Include income from other sources below. Under Income Source, choose from the sources listed here:

2b. Other Assets and Credits You Have

Include all other assets and credits below. Under Asset or Credit Type, choose from the types listed here:

Assets

Credits

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

List all liabilities below (except real estate) and include deferred payments. Under Account Type, choose from the types listed here:

2d. Other Liabilities and Expenses

Include all other liabilities and expenses below. Choose from the types listed here:

Uniform Residential Loan Application Freddie Mac Form 65 – Fannie Mae Form 1003 Effective 1/2021

Section 3: Financial Information – Real Estate.

This section asks you to list all properties you currently own and what you owe on them.

3a. Property You Own

If you are refinancing, list the property you are refinancing FIRST.

Address

For 2-4 Unit Primary or Investment Property

Mortgage Loans on this Property

3b. IF APPLICABLE, Complete Information for Additional Property

Address

For 2-4 Unit Primary or Investment Property

3c. IF APPLICABLE, Complete Information for Additional Property

Address

For 2-4 Unit Primary or Investment Property

Mortgage Loans on this Property

Uniform Residential Loan Application Freddie Mac Form 65 – Fannie Mae Form 1003 Effective 1/2021

Section 4: Loan and Property Information.

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

4a. Loan and Property Information

Property Address

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

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

Complete if the property is a 2-4 Unit Primary Residence or an Investment Property

4d. 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:

Uniform Residential Loan Application Freddie Mac Form 65 – Fannie Mae Form 1003 Effective 1/2021

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

If YES, complete (1) and (2) below:

5b. About Your Finances

Uniform Residential Loan Application Freddie Mac Form 65 – Fannie Mae Form 1003 Effective 1/2021

Section 6: Acknowledgments and Agreements.

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

Acknowledgments and Agreements

Uniform Residential Loan Application Freddie Mac Form 65 – Fannie Mae Form 1003 Effective 1/2021

Section 7: Military Services.

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?

Uniform Residential Loan Application Freddie Mac Form 65 – Fannie Mae Form 1003 Effective 1/2021

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021

Uniform Residential Loan Application
Freddie Mac Form 65 – Fannie Mae Form 1003
Effective 1/2021