REFINANCE APPLICATION
Borrower Name (include Sr, Jr, II, III etc):
First Name
Last Name
Borrower Phone Number
Please enter a valid phone number.
Format: (000) 000-0000.
Borrower Email
example@example.com
Social Security Number:
Reason for refinance?
Please Select
Lower my current mortgage payment
Cash Out
Other
Other, please specify
Who referred you to this loan application?
Please Select
Cher
Broker Bea
Jenn Narragon
Nancy Friday
Wendy Van
Judi Ting
Found on the Internet
Facebook/Instagram/Social Media
Other - Please fill in the name below
None of the Above
If Other - Please enter the full name who referred you to us so we may thank them.
First Name
Last Name
PROPERTY DETAIL
Subject Property Address:
Street Address
Street Address Line 2
City
State / Province
Postal / Zip Code
What type of home is Subject Property?
Please Select
Select One
Single Family Residence
Condo
Town Home
Two Units
Three Units
Four Units
Mobile Home
Other
How is this property occupied?
Please Select
Select One
Owner Occupied
Non-owner Occupied
Second Home
How much do you think your subject property is worth?
Do you want Impound Accounts on Property Taxes and Home Insurance?
Please Select
No
Yes, Both
Yes, Home Insurance Only
Yes, Property Tax Only
Unsure
If property is an investment property, how much will you receive for rents per month?
MARITAL STATUS
Type of Citizenship
Please Select
Select One
U.S. Citizen
Permanent Resident Alien
Non-Permanent Resident Alien
Non-Permanent Resident Alien
Please Select
Select One
Student Visa (F-1 or J-1)
Business Visitors or Tourists Visa (B1/B2)
Fiancee Visa (K-1)
Granted Temporary Protected Status (ie Asylum)
ITIN
DACA
Not Sure
Marital Status
Please Select
Select One
Married
Unmarried (Includes single, widowed, divorced)
Separated
If Unmarried, is there a person who is not your legal spouse, but who currently has real property rights similar to those of a legal spouse?
Please Select
Select One
No, I am Single
Yes
i.e. Civil Union, Domestic Partnership, Registered Reciprical Beneficiary Relationship or Other.
If Unmarried - Yes
Please Select
Select One
Civil Union
Domestic Partnership
Registered Reciprocal Beneficiary Relationship
Other
If other, please indicate for which state(s) was it filed?
If Separated, have you filed legal separation with the courts?
Please Select
Select One
No. Note: By not filing legal separation, it may affect your home loan application, because you are technically still married.
Yes I have filed the legal separation, but it is still ongoing and not yet finalized by the courts. I will provide you of what was filed in the courts.
Yes and it is finalized by the courts. I will provide the complete legal separation from the courts to you.
Number of Dependents:
Please Select
0
1
2
3
4
5
6
7
8
9
10
Enter ages of each dependent followed by commas.
BORROWER ADDRESS(ES)
CURRENT ADDRESS of where you physically live (no PO Box or UPS Store address):
Address
Street Address
Street Address Line 2
City
State / Province
Postal / Zip Code
Do you Own or Rent?
Please Select
Own
Rent
Live with family
None
If NONE, please enter the reason.
How much do you pay per month?
How long have you lived at this CURRENT address? (Input in YEARS and/or MONTHS, i.e. 1 year and 6 months).
CURRENT Address Move In Date
PREVIOUS Address - if the CURRENT address is less than 2 years
Street Address
Street Address Line 2
City
State / Province
Postal / Zip Code
How long have you lived at the PREVIOUS address? (Input in YEARS and/or MONTHS, i.e. 1 year and 6 months).
PREVIOUS Address Move in Date
What is your Mailing Address?
Please Select
Same as where I currently live.
Other, please enter the address:
Other, please enter the address:
Street Address
Street Address Line 2
City
State / Province
Postal / Zip Code
Preferred Language:
Please Select
Chinese
English
Korean
Spanish
Tagalog
Vietnamese
I do not wish to furnish.
CURRENT EMPLOYMENT
Are you employed as W-2 Employee?
Please Select
Yes - W2
No - 1099 or Self-Employed
IF NO, Are you a Business Owner and/or Self-Employed (Schedule C or Schedule E)?
Please Select
No
Yes, Schedule C Only (ie 1099 employee or sole proprietor)
Yes, Schedule E Only (ie K-1 from Corporation or LLC Income Tax)
Yes, both Schedule C (ie 1099 Employee or sole proprietor) and Schedule E (ie K-1 from Corporation or LLC Income Tax)
What is your Ownership Share?
Please Select
Less than 25%
Equal to 25% or more
CURRENT Position or Job Title:
What is your CURRENT gross monthly income? or hourly?
CURRENT Employer Name. If Self-Employed - Your Company Name
CURRENT Employer Address
Street Address
Street Address Line 2
City
State / Province
Postal / Zip Code
Supervisor who can verify your CURRENT employment:
First Name
Last Name
Phone number of HR or Supervisor who can verify your CURRENT employment:
Please enter a valid phone number.
Format: (000) 000-0000.
Email of HR or Supervisor who can verify your CURRENT employment:
Start Date at Current Employer/Self-Employed
How long did you work in this same line of work? (Years/Months)
How long have you worked with your CURRENT employer?
Please Select
Equal to or more than 2 years.
Less than 2 years - Complete PREVIOUS EMPLOYMENT
ADDITIONAL INCOME/PENSION/RETIREMENT
Do you have income from Other Source?
Please Select
No
Yes
If YES, select below:
Please Select
Accessory Unit Income
Alimony (Spousal Support)
Automobile Allowance
Boarder Income
Capital Gains
Child Support
Defined Contribution Plan
Disability
Employment Related Assets
Foreign Income
Housing Allowance
Housing Choice Voucher (Section 8)
Housing or Parsonage
Interest and Dividends
Mortgage Credit Certificate
Mortgage Differential Payments
Net Rental Income
Non-Borrower Contribution
Notes Receivable
Pension
Public Assistance
Retirement
Royalty Payments
Seasonal Income
Separate Maintenance
Social Security Income
Temporary Leave
Trailing Co-Borrower Income
Trust
Unemployment Benefits
VA Compensation
VA Non-Educational Benefits
How much per month?
ADDITIONAL OTHER SOURCES OF INCOMES/COMMENTS
PREVIOUS EMPLOYMENT
If your above employer is less than 2 years, PREVIOUS Position or Job Title:
What is your PREVIOUS gross monthly income? or hourly?
PREVIOUS Employer
PREVIOUS Employer Address
Street Address
Street Address Line 2
City
State / Province
Postal / Zip Code
Name of HR or Supervisor who can verify your PREVIOUS employment:
First Name
Last Name
Phone number of HR or Supervisor who can verify your PREVIOUS employment:
Please enter a valid phone number.
Format: (000) 000-0000.
PREVIOUS Employer Start Date
How long did you work for the PREVIOUS Employer? (Years/Months)
ASSETS
Are you Employed by a family member, property seller, real estate agent, or other party to the transaction?
Please Select
Yes
No
Do you have Foreign Income?
Please Select
No
Yes
What type of Asset #1 do you own?
Please Select
None
Bonds
Bridge Loan Proceeds
Cash Value of Life Insurance
Certificate of Deposit
Checking
Individual Development Account
Money Market Fund
Retirement
Savings
Stock Options
Stocks
Trust Account
What is the name of the bank or institution that is holding your account?
Estimated Value in USD:
Additional Assets #2?
Please Select
Select One
None
Bonds
Bridge Loan Proceeds
Cash Value of Life Insurance
Certificate of Deposit
Checking
Individual Development Account
Money Market Fund
Retirement
Savings
Stock Options
Stocks
Trust Account
What is the name of the bank or institution that is holding your account?
Estimated Value in USD:
How many automobiles do you own?
Please Select
1
2
3
4
5
Please enter the estimated value of each automobile and separate with a comma.
Please enter the estimated value of each automobile and separate with a comma. ANY OTHER ASSETS.
How many real estate properties do you own?
Please Select
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
NOTE: Please send us a recent mortgage statement, property tax bill, home insurance bill and rental agreement (if applicable) for all real estate properties that you own.
Addresses and Values of properties
DECLARATIONS: ABOUT THE PROPERTY AND FINANCES
A. Will you occupy the property as your primary residence?
Please Select
Select One
Yes
No
If Yes, have you had an ownership interest in another property in the last three years?
Please Select
Yes
No
If Yes, what type of property did you own: Primary Residence (PR), FHA secondary residence (SR), second home (SH), or investment property (IP)?
Please Select
Select One
Primary Residence
FHA Secondary Residence
Second Home
Investment Property
How did you hold title to the property: by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?
Please Select
Select One
By yourself
jointly with your spouse
jointly with another person
B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?
Please Select
Yes
No
If Yes, please explain:
C. Are you borrowing any money for this transaction (e.g., money for closing cost or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this application?
Please Select
Yes
No
If Yes, please explain and what is the amount of this money?*
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?
Please Select
Yes
No
If Yes, please explain:
D. 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?
Please Select
Yes
No
If Yes, please explain:
E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as clean energy lien paid through your property taxes (e.g. the property assessed Clean Energy Program)?
Please Select
Yes
No
If Yes, please explain:
F. Are you a co-signor or guarantor on any debt or loan that is not disclosed on this application?
Please Select
Yes
No
If Yes, please explain:
G. Are there any outstanding judgments against you?
Please Select
Yes
No
If Yes, please explain:
H. Are you currently delinquent or in default on a federal debt?
Please Select
Yes
No
If Yes, please explain:
I. Are you a party to a lawsuit in which you potentially have any personal financial liability?
Please Select
Yes
No
If Yes, please explain:
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
Please Select
Yes
No
If Yes, please explain:
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 balance due?
Select One
Yes
No
If Yes, please explain:
L. Have you had property foreclosed upon in the last 7 years?
Select One
Yes
No
If Yes, please explain:
M. Have you declared bankruptcy within the past 7 years?
Select One
Yes
No
If Yes, please explain:
If Yes, identify the type of bankruptcy?
Please Select
Select One
Chapter 7
Chapter 11
Chapter 12
Chapter 13
MILITARY/DEMOGRAPHIC
Did you (or your deceased spouse) ever served, or are you currently serving in the United States Armed Forces?
Please Select
No
Yes
If Yes, select your answer below:
Please Select
Currently on active duty
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
Ethnicity:
Please Select
Hispanic or Latino
Mexican
Other Hispanic or Latino:
Not Hispanic or Latino
Puerto Rican
Cuban
I do not wish to furnish this information
Other Hispanic or Latino:
Race:
Please Select
American Indian or Alaska Native
Asian: Asian Indian
Asian: Chinese
Asian: Filipino
Asian: Japanese
Asian: Korean
Asian: Vietnamese
Other Asian
Black or African American
Native Hawaiian or Other Pacific Islander: Native Hawaiian
Native Hawaiian or Other Pacific Islander: Guamanian or Chamorro
Native Hawaiian or Other Pacific Islander: Samoan
Native Hawaiian or Other Pacific Islander: Other Pacific Islander
White
I do not wish to furnish this information
Other Asian:
Other Pacific Islander
Sex:
Please Select
Female
Male
I do not wish to furnish this information.
Do you have a Co-Borrower to help you qualify for the Subject Property?
Please Select
Yes
No
If Yes, please enter full name and phone number of Co-Borrower and have your Co-Borrower fill out the Co-Borrower Online Application Form
Do you have any comments you may want to add about your home loan application, including if someone assisted you in filling out this loan application? Please explain any comments that you may have, and also add the full name, phone number and email address of the person that assisted you in filling out this loan application, if applicable, so we maybe able to contact them for further clarification on what was disclosed on this loan application.
I hereby authorize CHER, INC. to order a consumer credit report and verify other credit information, including past and present mortgage and landlord references. It is understood that this will serve as my written authorization for CHER, INC. to pull my credit report for mortgage purposes.
Please Select
I AUTHORIZE
Terms and Conditions*
*
I agree to the above Terms and Conditions
Date
-
Month
-
Day
Year
Date
Name
First Name
Last Name
Signature
FRONT AND BACK OF YOUR DRIVER LICENSE AND SSN CARD - REQUIRED
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