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  • Uniform Residential Loan Application

    If you would like a printable uniform residential loan application
    click here.

    This application is designed to be completed by the applicant(s) with the lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower", as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the "Borrower" (including the Borrower's spouse) will be used as a basis for loan qualification or the income or assets of the Borrower's spouse will not be used as a basis for loan qualification, but his or her liabilities must be considered because the Borrower resides in a community property state, the security property is located in a commpunity property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

      * Required Field
    Mortgage Applied For *


    Agency Case Number
    Lender Case Number
    Amount *
    Interest Rate
    No. of Months
    Amortization Type *

    ARM (type):
    Other (explain):
       

    Subject Property

     
    Property Street Address
    City
    County
    State
    Zip
    No. Units
    Legal Description
    Year Built
    Purpose of Loan *



    Other
    Property will be *

    Title Will be Held in
    What Name(s)?
    Manner in Which Title
    Will be Held?
    Source of Down Payment and Settlement Charges
    Estate will be held in
  • Borrower's Information

     
    Name *
    Social Security Number
    Date of Birth
    Home Phone *
    Current Address
    City
    State
    Zip
    Years at this address
    Do you
    Previous Address
    (if less than 2 years at present address)
    City
    State
    Zip
    Years at this address
    Dependents Other Than Listed by Co-Borrower
    Dependents ages
    Marital Status

    Years School
     

    Employment Information

    Are you Self Employed?
    Employer
    Work Phone
    Years on this job
    Address
    Position/Occupation
    Type of Business
    Monthly Income
     

    Previous Employment
    (if less than two years at present employer)

    Name
    Address
    Length of Employment
    Dates (from - to)
    Monthly Income
       

    Gross Monthly Income

    Base Employment Income
    Overtime
    Bonuses
    Commissions
    Dividends/Interest
    Net Rental Income
    Other
    (before completing,
    see the notice in "describe
    other income," below)
    Total
       

    Describe Other Income

    Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower (B) or Co-Borrower (C) do not choose to have it considered for repaying this loan. Include the type of Other Income and Monthly Amount below.

     

    Present Monthly Housing Expense **

    Rent
    First Mortgage
    Other Financing
    Hazard Insurance
    Real Estate Taxes
    Mortgage Insurance
    Homeowner Assn. Dues
    Other
    Total Monthly Payment
    Utilities
    Total
       

    Proposed Monthly Housing Expense **

    Rent
    First Mortgage
    Other Financing
    Hazard Insurance
    Real Estate Taxes
    Mortgage Insurance
    Homeowner Assn. Dues
    Other
    Total Monthly Payment
    Utilities
    Total
       

    Co-Borrower's Information

    Name
    Social Security Number
    Date of Birth
    Home Phone
    Current Address
    City
    State
    Zip
    Years at this address
    Do you
    Previous Address
    (if less than 2 years at present address)
    City
    State
    Zip
    Years at this address
    Dependents Other Than Listed by Co-Borrower
    Dependents ages
    Marital Status

    Years School
     

    Employment Information

    Are you Self Employed?
    Employer
    Work Phone
    Years on this job
    Address
    Position/Occupation
    Type of Business
    Monthly Income
     

    Previous Employment
    (if less than two years at present employer)

    Name
    Address
    Length of Employment
    Dates (from - to)
    Monthly Income
       

    Gross Monthly Income

    Base Employment Income
    Overtime
    Bonuses
    Commissions
    Dividends/Interest
    Net Rental Income
    Other
    (before completing,
    see the notice in "describe
    other income," below)
    Total
       

    Describe Other Income

    Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower (B) or Co-Borrower (C) do not choose to have it considered for repaying this loan. Include the type of Other Income and Monthly Amount below.

  • Assets & Liabilities

    This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise separate Statements and Schedules are required. If the Co-Borrower section was completed about a spouse, this Statement and supporting schedules must be completed about that spouse also.

    Completed
    Cash deposit toward purchase amount

    Checking & Savings Accounts

    For each checking and savings account include Account Number, Amount of money in the account, Name and address of Bank, S&L, or Credit Union.

    Stocks & Bonds

    For each stock or bond include Company Name, number, description, and Amount.

    Life insurance net
    face amount
    Life insurance net
    cash value
    Subtotal Liquid Assets
    Real estate owned (enter market value)
    Vested interest in retirement fund
    Net worth of business(es) owned
    Automobiles owned
    (make, year, and cash
    or market value)
    Other Assets (itemize)
    Total Assets (a.)

    Liabilities & Pledged Assets

    Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support,
    stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinancing of the subject property. Include Account Number, Name and address of Company, Monthly payment amount, Months left to pay, and unpaid balance amount.

    Alimony/Child Support/Separate Maintenance Payments Owed: (include name & amount)
    Job Related Expense (child care, union dues, etc.)
    Total Liabilities (b.)
    Net Worth (a. minus b.)
     

    Schedule of Real Estate Owned
    (if additional properties are own, use extra fields)

    Property Address
    Type of Property
    Present Market Value
    Amount of
    Mortgages & Liens
    Gross Rental Income
    Mortgage Payments
    Insurance, Maintenance, Taxes & Misc.
    Net Rental Income
       
    Property Address
    Type of Property
    Present Market Value
    Amount of
    Mortgages & Liens
    Gross Rental Income
    Mortgage Payments
    Insurance, Maintenance, Taxes & Misc.
    Net Rental Income
       
    Property Address
    Type of Property
    Present Market Value
    Amount of
    Mortgages & Liens
    Gross Rental Income
    Mortgage Payments
    Insurance, Maintenance, Taxes & Misc.
    Net Rental Income
       

    List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):

    Alternate Name
    Creditor Name
    Account Number
       
    Alternate Name
    Creditor Name
    Account Number
  • Details of Transaction

    a. Purchase Price
    b. Alterations, improvements, repairs
    c. Land (if acquired separately)
    d. Refinance (include debts to be paid off)
    e. Estimated prepaid items
    f. Estimated closing costs
    g. PMI, MIP, Funding Fee
    h. Discount (if Borrower will pay)
    i. Total costs (add items a through h)
    j. Subordinate financing
    k. Borrower's closing costs paid by Seller
    l. Other Credits (explain)
    m. Loan amount (exclude PMI, MIP, Funding Fee financed)
    n. PMI, MIP, Funding Fee financed
    o. Loan amount (m + n)
    p. Cash from/to Borrower (subtract j, k, l & o from i)
       

    Declarations

      Borrower Co-Borrower
    Are there any outstanding judgments against you?

    Have you been declared bankrupt within the past 7 years?

    Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

    Are you a party to a law suit?

    Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If “Yes,” provide details, including date, name and address
    of Lender, FHA or VA case number, if any, and reasons for the action.)
     

    Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial
    obligation, bond, or loan guarantee? If “Yes,” give details as described in the
    preceding question.


    Are you obligated to pay alimony, child support, or separate maintenance?

    Is any part of the down payment borrowed?

    Are you a co-maker or endorser on a note?

    Are you a U.S. citizen?

    Are you a permanent resident alien?

    Do you intend to occupy the property as your primary residence?
    (If “Yes,” complete
    question below.)


    Have you had an ownership interest in a property in the last three years?

    What type of property did you own--principal residence (PR), second home (SH), or investment property (IP)?

    How did you hold title to the home--solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

       

    Acknowledgement & Agreement

    Each of the undersigned specifically represents to Lender and to Lender’s actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the “Loan”) will be secured by a mortgage or deed of trust on the property described herein; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated herein; (6) any owner or servicer of the Loan may verify or reverify any information contained in the application from any source named in this application, and Lender, its successors or assigns may retain the original and/or an electronic record of this application, even if the Loan is not approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the owner or servicer of the Loan may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.
    Borrower's Signature
    Date
       
    Co-Borrower's Signature
    Date
       

    Information for Government Monitoring Purposes

    The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender’s compliance with equal credit
    opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may
    discriminate neither on the basis of this information, nor on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation or surname. If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)
    Borrower I do not wish to furnish this information
    Ethnicity
    Race


    Sex
       
    Co-Borrower I do not wish to furnish this information
    Ethnicity
    Race


    Sex