• Transaction Type and Loan Officer 

    • Please complete the form below as if you are the primary borrower and co-borrower. We will manually add your information as a non-occupant co-borrower to the primary borrower's file.

    • Is there a co-borrower?*

    • If you selected "yes" to a co-borrower, the next page will prompt you to input the co-borrower's information. If you have a non-occupant co-borrower completing the form separately, please check "no" to the co-borrower.

    • Primary Borrower 

    • Please type your legal first and legal last names as they appear on your Social Security Card or Driver's License. Please do not use shortened names.

    •  - -
    • Format: (000) 000-0000.
    • Is this a mobile phone or home phone number?*
    • Are you a veteran?*
    • Veteran Information 
    • Are You Active Duty?*
    • Are you exempt from the funding fee? (25% disability rating or more)*
    • Is this your first time using a VA loan?*
    • Employment and Income 
    • Salary/W2 Income 
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    • Do you receive bonuses, commission or overtime?*
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    •  - -
    •  - -
    • Have you been with your current employer 24 months?*
    • Hourly Income 
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    • Do you receive bonuses, commission or overtime?*
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    •  - -
    • Have you been with your current employer 24 months?*
    • Retirement Income 
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    • Self-Employment Income 
    •  - -
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    • Alimony/Child Support 
    • Are you able to document that the alimony/child support will continue for 36 months after closing?*
    • Are you able to show 6 months of cancelled checks that are in precise compliance with the alimony or child support order?*
    • Bonus/Commission Income 

    • Most loan programs require us to document the most recent 24 months of bonus or commission income. You may either upload paystubs or give us a contact for a verification of employment. 

    •  - -
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    • Transfer/Work Remote 

    • Please check the box below to acknowledge that we will require a letter or email before closing stating that your employer has approved you to work remotely or approved your transfer without a change in pay. 

    • Acknowledged:*
    • Changing Employers 
    •  - -
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    • Raise, Promotion or Change in Pay Structure 
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    • Future Retirement 
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    • Government Monitoring Information and Declarations 
    • Are you a US Citizen or Green Card Holder?*

    • Demographics

      The purpose of collecting this information is to help ensure that all the 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.

    • What ethnicity do you consider yourself?*
    • What race do you consider yourself?*
    • Additional race options (optional):
    • What sex do you consider yourself?*

    • Language Preference

      Language Preference – Your loan transaction is likely to be conducted in English. This question requests information to see if communications are available to assist you in your preferred language. Please be aware that communications may NOT be available in your preferred language. Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. 

      To find a housing counseling agency, contact one of the following Federal government agencies:

      • U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or https://www.hud.gov/program_offices/housing/sfh/hcc.
      • Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/find-a-housing-counselor.
    • Please select a language:*
    • Have you had a major credit event in the last 10 years?*
    • Are you obligated to pay any alimony or child support?*
    • Credit Authorization 

    • We will complete a soft inquiry on your credit. This will allow us to confirm qualification, but we will need to complete a hard inquiry when you are under contract because it is required for underwriting. There will be a signed authorization for your hard inquiry.

      Please note, hard inquiries (which are required when you are under contract or refinancing) result in excessive unsolicited spam calls, emails and mailers. We do not sell your information. The credit bureaus do. Please go to https://www.optoutprescreen.com/ to limit these calls, but we've received varying reports of its effectiveness and the speed with which the opt out goes into effect.

      We may additionally request a wage verification through Equifax's Work Number system or a similar service to verify your income, if your employer reports to Work Number or a similar service.

    • Acknowledged:*

    • If you selected "yes" to a co-borrower, the next page will prompt you to input the co-borrower's information. If you have a non-occupant co-borrower completing the form separately, please check "no" to the co-borrower.

    • Co-Borrower 

    • Please type your legal first and legal last names as they appear on your Social Security Card or Driver's License. Please do not use shortened names.

    •  - -
    • Format: (000) 000-0000.
    • Is this a mobile phone or home phone?*
    • Are you a veteran?*
    • Veteran Information 
    • Are You Active Duty?*
    • Are you exempt from the funding fee? (25% disability rating or more)*
    • Is this your first time using a VA loan?*
    • Employment and Income 
    • Salary/W2 Income 
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    • Do you receive bonuses, commission or overtime?*
    • Browse Files
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    •  - -
    •  - -
    • Have you been with your current employer 24 months?*
    • Hourly Income 
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    • Do you receive bonuses, commission or overtime?*
    • Browse Files
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    •  - -
    • Have you been with your current employer 24 months?*
    • Retirement Income 
    • Browse Files
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    • Browse Files
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    • Self-Employment Income 
    •  - -
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    • Browse Files
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    • Alimony/Child Support 
    • Are you able to document that the alimony/child support will continue for 36 months after closing?*
    • Are you able to show 6 months of cancelled checks that are in precise compliance with the alimony or child support order?*
    • Bonus/Commission Income 

    • Most loan programs require us to document the most recent 24 months of bonus or commission income. You may either upload paystubs or give us a contact for a verification of employment. 

    •  - -
    • Browse Files
      Drag and drop files here
      Choose a file
      Cancelof
    • Transfer/Work Remote 

    • Please check the box below to acknowledge that we will require a letter or email before closing stating that your employer has approved you to work remotely or approved your transfer without a change in pay. 

    • Acknowledged:*
    • Changing Employers 
    •  - -
    • Browse Files
      Drag and drop files here
      Choose a file
      Cancelof
    • Raise, Promotion or Change in Pay Structure 
    • Browse Files
      Drag and drop files here
      Choose a file
      Cancelof
    • Future Retirement 
    • Browse Files
      Drag and drop files here
      Choose a file
      Cancelof
    • Government Monitoring Information and Declarations 
    • Are you a US Citizen or Green Card Holder?*

    • Demographics

      The purpose of collecting this information is to help ensure that all the 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.

    • What ethnicity do you consider yourself?*
    • What race do you consider yourself?*
    • Additional race options (optional):
    • What sex do you consider yourself?*

    • Language Preference

      Language Preference – Your loan transaction is likely to be conducted in English. This question requests information to see if communications are available to assist you in your preferred language. Please be aware that communications may NOT be available in your preferred language. Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. 

      To find a housing counseling agency, contact one of the following Federal government agencies:

      • U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or https://www.hud.gov/program_offices/housing/sfh/hcc.
      • Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/find-a-housing-counselor.
    • Please select a language:*
    • Have you had a major credit event in the last 10 years?*
    • Are you obligated to pay any alimony or child support?*
    • Credit Authorization 

    • We will complete a soft inquiry on your credit. This will allow us to confirm qualification, but we will need to complete a hard inquiry when you are under contract because it is required for underwriting. There will be a signed authorization for your hard inquiry.

      Please note, hard inquiries (which are required when you are under contract or refinancing) result in excessive unsolicited spam calls, emails and mailers. We do not sell your information. The credit bureaus do. Please go to https://www.optoutprescreen.com/ to limit these calls, but we've received varying reports of its effectiveness and the speed with which the opt out goes into effect.

      We may additionally request a wage verification through Equifax's Work Number system or a similar service to verify your income, if your employer reports to Work Number or a similar service.

    • Acknowledged:*
    • Non-Occupant Co-Borrower Information 
    • Do you rent or own your current home?
    • Do you escrow for both taxes and insurance?
    • Refinance Information 
    • Do you rent or own your current home?*
    • Do you plan on paying down your mortgage by more than 30% in the first 6 months?*
    • Do you escrow for both taxes and insurance?*
    • Do you have a second mortgage or home equity line on the property you'll be refinancing?*
    • Purchase Information 
    • Do you rent or own your current home?*
    • Do you plan on selling your current home?*
    • Do you plan on paying down your mortgage by more than 30% in the first 180 days?*

    • We aren't able to originate financing that will be paid off in the first 120 days. We can set the loan up so you can pay the balance down, but we need to know if you intend to pay the balance down more than 30% in the first 120 or 180 days. We are happy to help set up shorter-term financing.

    • Do you escrow for both taxes and insurance?*
    • Should be Empty: