All Access Financial Commercial Loan Application

SUBMISSION PACKAGE
Initial Documentation Checklist
Loan Application
Track Record - Investor Experience Form
Credit Card Authorization Form* This is only if we need to order an appraisal, if not credit card will not be used (For Payment of Appraisal or BPO)
Copy of Photo ID (Front & Back)
12-months of Business Bank Statements
LLC/Corporation Documentation (if holding title entity)
Articles of Organization / Incorporation
Operating Agreement LLC / Bylaws Corp/ Trust Agreement if Trust
Specific Transaction Documents
LOAN APPLICATION – BORROWER DETAILS
BORROWER / AUTHORIZED SIGNER INFORMATION
Individual’s Name
Married

Marital Status:UnmarriedSeparated
Primary Residence Address
City
State
Zip Code
Do you own or rent your primary residence

OwnRent
Number of years at primary residence?
Mailing Address (if different from primary residence)
Est. Credit Score
Annual Income
Liquid Assets
Primary Phone Number
Employment Information Self-Employed

YesNo
Secondary Phone Number
Employer Name
Email Address
example@example.com
Position & Title
Employer Phone Number
Date of Birth

MonthDayYear
Date
Employer Address
Social Security Number (or ITIN)
Co-Borrower/Authorized Signer Information (if applicable)
Unmarried

Marital Status:MarriedSeparated
Primary Residence Address
Married to Borrower?

YesNo
City
State
Zip Code
Do you own or rent your primary residence

OwnRent
Number of years at primary residence?
Mailing Address (if different from primary residence)
Est. Credit Score
Annual Income
Liquid Assets
Primary Phone Number
Employment Information Self-Employed

YesNo
Secondary Phone Number
Employer Name
Email Address
example@example.com
Position & Title
Employer Phone Number
Date of Birth

MonthDayYear
Date
Employer Address
Social Security Number (or ITIN)
DECLARATIONS
Please check YES or NO for each of the following questions

Do you intend to occupy the property as your primary residence?Co-Borrower

Please check YES or NO for each of the following questions

	Yes	No	Yes	No
Are there any outstanding judgementsagainst you?
Have you been declared bankrupt within the last seven (7) years?
Have you or any other entity of which you were/are a principal been in foreclosure or had any property that was foreclosed upon?
Are you party to lawsuit?
Are you presently delinquent on any federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?
Have you ever been convicted of a felony?
Are you in a Civil Union or a Domestic Partnership, or do you have a non-borrowing spouse, or are you a party to a Designated Beneficiary Agreement?
Are you a US citizen?
Are you a permanent resident alien?

Borrower
LOAN APPLICATION – TRANSACTION DETAILS
SUBJECT PROPERTY INFORMATION
Subject Property Address
City
State
Zip
I understand that I am applying for a non-owner occupied, business purpose investment loan?

YesNoSFRCondoPUD2-4 Units5+ Units
Number of Units
Construction Method

LeasedVacantSite- BuiltManufactured
Cross-Collateralization

Fee SimpleLeaseholdYesNo
If YES, # of properties
LOAN REQUEST INFORMATION
Transaction Type

PurchaseRate & Term RefinanceCash-Out Refinance
Loan Amount Requested
Loan Term Request

1 Year2 Year
Purchase Price
Estimated Property Value
Requesting Rehab Financing? (Fund Controlled)

YesNo
If refinance: Current debt on property?
Original Cost
Year Acquired
Amount of rehab completed (if any)
BORROWER / ENTITY INFORMATION
Title will be held in what name(s)
Title will be held in what name(s)

LLCCorporationIndividual Name(s)TrustLLPOther
If Entity: State of Formation
EIN
INTERIOR ACCESS CONTACT INFORMATION FOR SUBJECT PROPERTY
Phone Number
Email
example@example.com
ESCROW / SETTLEMENT AGENT INFORMATION
Phone Number
Phone Number
Email
example@example.com
INSURANCE AGENT INFORMATION
Company Name
Phone Number
Insurance Agent
Email
example@example.com
LOAN APPLICATION STRATEGY DETAILS
What is your plan for this property?

FlipRentalBridge
If Flip, what do you anticipate your hold time to be?
If Rental Property, the current or projected monthly rental income is
If Rental Property, do you plan to increase rents in the near future?

YesNo
Future rents
Do you intend to rehab or upgrade the subject property?

YesNo
If YES, what do you estimate your rehab, construction, and/or updating costs will be?
If YES, what do you estimate the ARV (after repair value) to be
If YES, will you be adding square footage (GLA)?

YesNo
If Yes, how many SQ FT?
If rehabbing and/or updating the property, please explain the scope of work. If cost exceed $10,000, in detail please upload below. (please upload as a PDF, or an Excel Sheet)
Please upload scope of work if it exceeds $10,000

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Are all permits in place?

YesNo
If yes please upload permits

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7.Has work, rehab, or demo already begun or been completed on subject property?

YesNo
Explain your investment strategy for this property in detail
What is your exit strategy, and how do you in to repay this loan? (please explain in detail)
If cash-out refinance, how do you intend to use the cash-out proceeds? Please explain in detail.
DECLARATION OF NON-OWNER OCCUPANCY & BUSINESS USE OF PROCEEDS
I (“Borrower”) certify and represent to lender (“Originator”) as follows: I hereby declare that I have no intention of making the property (subject property listed in my loan application) my principal residence. Additionally, I declare that I have no intention of utilizing the property as a second home and/or any surviving spouse or family member shall live in the property. I understand that this loan is a business purpose loan and not a household purpose loan. The loan proceeds are intended to be used and shall be used for business purpose only, not for personal use. I represent that I understand the difference between consumer loan for personal purposes and a commercial loan for business purposes. I represent that this loan is not a consumer loan and therefore is not subject to any laws relating to consumer loans under any state or federal laws such as Truth in Lending Act (15 U.S.C. § 1601 et seq, Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq, Gramm‐Leach Bliley Act (15 U.S.C. §§ 6802–6809), Secure and Fair Enforcement Mortgage Licensing Act (12 U.S.C. § 5101 et seq, and Homeowners Protection Act (12 U.S.C. 4901 et seq I realize the lender, broker, assignees and successors rely upon this information. I confirm I have read and understand this document. I declare under penalty of perjury the foregoing is true and correct.
AUTHORIZATION TO CONDUCT CREDIT & BACKGROUND CHECK
By signing this form, I/we hereby authorize lender to conduct a background and/or credit check. Additionally, the undersigned and each party to this loan, authorizes lender to disclose to any third party, employee, agent or assignee thereof information regarding background and credit experience. I understand that it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of title 18, united states code, 1014. I also understand that the lender intends to use the data obtained through the investigation for due diligence purposes only, and shall not disclose such information to any other party.
Entity / Company Name (if applicable)
Borrower / Authorized Signer Name (print)
Co-Borrower / Authorized Signer Name (print)
X

Clear
X

Clear
Signature (Borrower / Authorized Signer)
Date

MonthDayYear
Date
Signature (Co-Borrower / Authorized Signer) Date

MonthDayYear
Date
NOTICE OF RIGHT TO COPY OF APPRAISAL (ECOA)
This notice is being provided to you pursuant to 12 CFR § 1002.14(a)

We may order an appraisal to determine the property’s value and charge you for this appraisal. We will give you a copy of any appraisal or other written valuations promptly upon receipt, even if your loan does not close.

You can pay for an additional appraisal for your own use at your own cost.

You are entitled to receive copies of appraisal reports and other written valuations obtained in connection with your application for credit at least 3 business days prior to the time you become contractually obligated on the transaction (for closed-end credit) or account opening (for open-end credit), whichever is earlier. You have the right to waive the 3 business-day waiting period.

By signing below, I acknowledge the following:

(1) I understand that I have the right to receive a copy of the appraisal reports, and other written valuations obtained in connection with my loan application 3 or more business days prior to my loan closing.

(2) I understand that I have the right to receive a copy of the appraisal reports and other written valuations

(3) I am exercising my right to waive the 3 business day review period prior to closing, and I understand that, regardless of whether I sign this waiver, I will receive a copy of the appraisal reports at or before closing.
Entity / Company Name (if applicable)
Borrower / Authorized Signer Name (print)
Co-Borrower / Authorized Signer Name (print)
X

Clear
Signature (Borrower / Authorized Signer)

Clear
Date

MonthDayYear
Date
TRACK RECORD and INVESTOR EXPERIENCE (SCHEDULE OF REAL ESTATE)
Borrower / Authorized Signer Name (print)
Co-Borrower / Authorized Signer Name (print)
Current Schedule Of Real Estate Owned (Please upload in an PDF or Excel format)

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Recently Sold Properties (Please include purchase date, amount, and date sold. Please upload in an PDF or Excel format)

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Please upload Blueprints

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Please upload Scope of Work

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Please upload Proforma

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Please upload all principals resumes

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Please upload the last 12-months of business bank statements

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LLC/Corp Documents (if holding title entity)

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Last 3 years of P+L & Balance sheet, and a year to date

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Last 3-years of business & personal taxes

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Debt Sheet

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All Assets Owned (please include life insurance, stocks & bonds, etc)

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If you are applying for a loan for a Hotel, please include the star report for the last 3 years.

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CREDIT CARD PAYMENT AUTHORIZATION FORM (credit card will never be charged without prior authorization, if an updated appraisal is needed)
Sign and complete this form to authorize All Access Financial to make a debit to your credit card listed below for property valuation services. By signing this form you give us permission to debit your account for the amount indicated on or after the indicated date. This is permission for debit and does not provide authorization for any additional unrelated debits or credits to your account. Services to be provided by Clear Capital, Appraisal Nation, or Lender chosen Appraisal Management Company.
Please Complete The Information Below:
I authorize All Access Financial, to charge my credit card account, if an appraisal is needed for the current property for this loan. (Amount) Typical Appraisal is $250 to $750 dollars depending on the location, size of the property, and turnaround time requested

Clear
.

MonthDayYear
Date
Billing Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Phone Number
Email
example@example.com
Cardholder Name
Card Number
Expiration Date

MonthDayYear
Date
CVV2 (3 digit number on back of Visa/MC, 4 digits on font of AMEX)
I authorize the above named business to charge the credit card indicated in this authorization form according to the terms outlined above. This payment authorization is for the services described above. I certify that I am an authorized user of this credit card and that I will not dispute the payment with my credit card company; so long as the transaction corresponds to the terms indicated in this form.

This is not a commitment to lend. Restrictions may apply. LTV limits are based on current, accurate appraised value. Capital Funding Financial, LLC reserves the rights to amend rates and guidelines. All loans are made in compliance with federal, state and local laws. Capital Funding Financial, LLC., is an equal opportunity lender.

Capital Funding Financial, LLC. 5550 Glades Rd., Boca Raton, FL 33431. NMLS 1500207 © 2021 All Rights Reserved
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SUBMISSION PACKAGE

Initial Documentation Checklist

Loan Application

Track Record - Investor Experience Form

Credit Card Authorization Form* This is only if we need to order an appraisal, if not credit card will not be used (For Payment of Appraisal or BPO)

Copy of Photo ID (Front & Back)

12-months of Business Bank Statements

LLC/Corporation Documentation (if holding title entity)

Articles of Organization / Incorporation

Operating Agreement LLC / Bylaws Corp/ Trust Agreement if Trust

Specific Transaction Documents

LOAN APPLICATION – BORROWER DETAILS

BORROWER / AUTHORIZED SIGNER INFORMATION

DECLARATIONS

Borrower

LOAN APPLICATION – TRANSACTION DETAILS

SUBJECT PROPERTY INFORMATION

LOAN REQUEST INFORMATION

BORROWER / ENTITY INFORMATION

INTERIOR ACCESS CONTACT INFORMATION FOR SUBJECT PROPERTY

ESCROW / SETTLEMENT AGENT INFORMATION

INSURANCE AGENT INFORMATION

LOAN APPLICATION STRATEGY DETAILS

DECLARATION OF NON-OWNER OCCUPANCY & BUSINESS USE OF PROCEEDS

AUTHORIZATION TO CONDUCT CREDIT & BACKGROUND CHECK

NOTICE OF RIGHT TO COPY OF APPRAISAL (ECOA)

TRACK RECORD and INVESTOR EXPERIENCE (SCHEDULE OF REAL ESTATE)

CREDIT CARD PAYMENT AUTHORIZATION FORM (credit card will never be charged without prior authorization, if an updated appraisal is needed)

Please Complete The Information Below: