Residential Mortgage Application

For individuals or groups looking to purchase or refinance a primary residence, second home or investment property.

Each borrower to fill out an application individually.

Personal Information

First Name *

Middle Name

If used on legal documents

Last Name *

Preferred Name

If different than your First Name above

Phone *

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Work Phone

Email *

Date of birth *

Social Security Number *

XXX-XX-XXXX

Citizenship *

Marital Status

Dependents: Number of Dependents and their Ages

List by age with each dependent separated by a comma

Current Address *

County for Current Address *

Current Address Moved In Date *

Mailing Address

Previous Address (If current address is less than 2 years)

Previous Address Dates Lived

Referred By

Government Issued ID (Drivers License or Passport)

front and back

Visa (If Applicable)

Green Card (If Applicable)

Employer Information

Current Employment

Employer Name
Employer Street Address
City
State
Zip
Phone Number
Email
Position
Date Started
Time in Line of Work
Monthly Gross Income
Are you the business owner or self employed?

If you've been with your current employer for LESS than 2 years: Previous Employment

Employer Name
Employer Street Address
City
State
Zip
Phone Number
Email
Position
Dates Employed
Time in Line of Work
Monthly Gross Income
Are you the business owner or self employed?

Do you have any other forms of income to list? Please list the source and monthly income received.

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

Income Documentation

Please upload all applicable documentation.

Most Recent 30 Days Paystub

Most Recent 2 Years W2's (all employers)

Commission, Bonus, Tip or Other Variable Income Types

Year End Paystub for the Previous 2 Years (showing the YTD totals for all income)

Self Employed Income

Last 2 Years Personal Tax Returns

Last 2 Years Business Tax Returns

Income - YTD Profit and Loss

Retirement, Social Security, Pension or Disability Income

Income - Awards Letter

If you receive multiple forms of this income, you can upload multiple documents

Income - Proof of Receipt

If direct deposit, a current bank statement showing receipt

Alimony/Child Support Income

Alimony/Child Support Court Order

Divorce Decree (if divorced)

Assets

What are you comfortable coming out of pocket with for total out of pocket expense?

To cover your down payment and closing costs.

If you are receiving any gift funds, from who and how much?

Please include gift donors name, phone, email and physical address and we will send them a gift letter to sign electronically.

Most Recent 2 Months Bank Statements Checking & Savings

Retirement, Stocks, Bonds, Mutual Funds, Securities or other Savings

Most recent quarterly or most recent 2 months bank statements

Real Estate Owned

Primary Residence

Street
City
State
Zip
County
Date Purchased
Purchase Price
Current Value
Occupancy
Rents Received

REO - Current Primary Mortgage Statement

REO - Homeowners Insurance Declarations Page

Typically the first page of your policy detailing coverage and payment

Other Real Estate

Street
City
State
Zip
County
Date Purchased
Purchase Price
Current Value
Occupancy
Rents Received

REO - Current Mortgage Statement on all Other Owned Properties

REO - Homeowners Insurance Declarations Page (for all other properties owned)

Typically the first page of your policy detailing coverage and payment

REO - If rented: Signed Lease Agreements on Rental Properties

If you have more properties to list, please write on a separate document and attach

address, date purchased, purchase price, current value, occupancy, rents received

Loan and Property Information

Please fill in any information you may know. Feel free to leave anything blank you're unsure of.

Loan Purpose

Please input the type of loan you are seeking

Goal Mortgage Payment

We will show you your maximum purchase price/refinance amount as well as what your goal payment would look like.

Goal Out Of Pocket Total

To cover down payment and closing costs

Subject Property Occupancy

For the property being purchased or refinance

Subject Property

Street Address
City
State
Zip
County

Purchase Price

$

Appraised Value

$

Down Payment %

Loan Amount

$

VA Additional

Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?

Status of Service

If Yes, check all that apply

Service Expected Completion Date

Separated

Reserve National Guard Never Activated

Spousal VA Benefits Eligibility

DD214

Signed letter from CO stating you are eligible and intend to reenlist

Declarations

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 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 payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? *

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? *

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? *

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)? *

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 and dates

Credit Report

Your application requires a current credit report. Please use the link below to order your report. If you are applying as a married couple, you can input both borrowers on one credit report. Each borrower is to fill out an application separately.

Credit report charges will be listed before you checkout, and range from $95-$147. They are charged by the third party provider.

Once you have ordered your credit, please hit submit below to submit your application. No information or documents from this application will be received until you hit submit below.

Please be sure to click all the way to the end and click SUBMIT. If you don't SUBMIT at the end, your application and documents will not be received.