Getting started

Please fill in the application as completely as possible. Upon submitting the form, I will be in touch to help guide you through the mortgage process. All information is transmitted directly to me so it is confidential.

General Loan Information
Sales Price: $
Loan Amount: $
Property City:
Property State	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Property Zip:
* Property Type:	Single Family Attached Single Family Detached Single Family Townhouse Multi-Family (Duplex) Multi-Family (Triplex) Multi-Family (Quadriplex) Condominium Co-op Planned Unit Development Manufactured Home
* Occupancy Type:	Primary Residence Secondary / Vacation Home Investment / Rental Property
* Loan Purpose:	Purchase Rate / Term Refinance Cash Out Refinance Home Equity
Application Type:	Joint       Individual

Borrower Information
	Primary Borrower	Co-Borrower
* Last Name:
* First Name:
Middle Initial:
* Social Security #	- -	- -
Marital Status:	Single Married Separated	Single Married Separated
Date of Birth:	January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992	January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992
Years in School:
# of Dependants:
Age of Dependants (Example: 8 10 12):
Current Address:
City:
State:	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Zip Code:
How Long:	Years Months	Years Months
Ownership:	Own Home Rent Rent Free	Own Home Rent Rent Free
* Rent/Mortgage Payment $	(What is your rent or mortgage/month?)
If at current address for less than two years, please fill out previous address information below:
Previous Address:
City:
State:	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Zip Code:
How Long:	Years Months	Years Months
Ownership:	Own Home Rent Rent Free	Own Home Rent Rent Free
* Home Telephone:	- -	- -
* Work Telephone:	- -	- -
Work Extension:
Mobile/Pager:	- -	- -
* E-mail Address:

Borrower Employment
Employer Name:
Employer Address:
City:
State:	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Zip Code:
Title:
Gross Monthly Income: $
Self-Employed:	YesNo	YesNo
Years with current:	Years Months	Years Months
Years in same line of work:	Years	Years
If at current employer for less than two years, please fill out previous employer information below:
Previous Employer:
Employer Address:
City:
State:	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Zip Code:
Title:
Gross Monthly Income: $
Self-Employed:	YesNo	YesNo
Years with current:	Years Months	Years Months

Borrower Assets
	Institution Name(s)	Total Balance
Checking:		$
Savings:		$
Stocks/Bonds:		$
Other Assets:		$

Real Estate Owned
Please specify any real estate owned (up to 3).
Include your current residence and its status if you still own it.
Property Address Number One:		Present Market Value: $
Street Name:		Mortgage/Lien Amounts: $
City:		Gross Rental Income: $
State:	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming	Mortgage Payments: $
Zip:		Insurance/Taxes/Misc. $
Property Status:	Pending Sale Sold Rental Income	Net Rental Income: $
Type of Property:	Single Family 2-4 Units Condo Townhome Manufactured Home
Current Residence Investment Property Second Home YesNo YesNo YesNo
Property Address Number Two:		Present Market Value: $
Street Name:		Mortgage/Lien Amounts: $
City:		Gross Rental Income: $
State:	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming	Mortgage Payments: $
Zip:		Insurance/Taxes/Misc. $
Property Status:	Pending Sale Sold Rental Income	Net Rental Income: $
Type of Property:	Single Family 2-4 Units Condo Townhome Manufactured Home
Current Residence Investment Property Second Home YesNo YesNo YesNo
Property Address Number Three:		Present Market Value: $
Street Name:		Mortgage/Lien Amounts: $
City:		Gross Rental Income: $
State:	Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming	Mortgage Payments: $
Zip:		Insurance/Taxes/Misc. $
Property Status:	Pending Sale Sold Rental Income	Net Rental Income: $
Type of Property:	Single Family 2-4 Units Condo Townhome Manufactured Home
Current Residence Investment Property Second Home YesNo YesNo YesNo

Standard Declarations
Please answer the following for both applicants	Borrower	Co-Borrower
* a. Are there any outstanding judgments against you?	YesNo	YesNo
* b. Have you declared bankruptcy within the last 7 years?	YesNo	YesNo
* c. Have you had property foreclosed upon in the last 7 years?	YesNo	YesNo
* d. Are you a party to a lawsuit?	YesNo	YesNo
* e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment?	YesNo	YesNo
* f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond or loan guarantee?	YesNo	YesNo
* g. Are you obligated to pay alimony child support or separate maintenance?	YesNo	YesNo
* h. Is any part of the down payment borrowed?	YesNo	YesNo
* i. Are you the co-maker or endorser on a note?	YesNo	YesNo
* j. Are you a U.S. citizen?	YesNo	YesNo
* k. Are you a permanent resident alien?	YesNo	YesNo
* l. Do you intend to occupy the property as your primary residence?	YesNo	YesNo
* m. Have you had an ownership interest in a property in the last 3 years?	YesNo	YesNo
If you answered "Yes" to any question a through i, please describe the situation involved:
If you answered "Yes" to question m, please complete the following:
	Borrower	Co-Borrower
1. What type of property did you own?	Principal Residence Second Home Investment Property	Principal Residence Second Home Investment Property
2. How did you hold title to the home?	Solely by yourself Jointly with spouse Jointly with another	Solely by yourself Jointly with spouse Jointly with another

Government Monitoring
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 neither discriminate on the basis of this information, nor on whether you choose to furnish it. However, if you choose not to furnish it, under Federal regulations this Lender is required to note race and sex on the basis of visual observation or surname. If you do not wish to furnish the above 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	Co-Borrower
* Ethnicity	Ethnicity
Hispanic or Latino NOT Hispanic or Latino	Hispanic or Latino NOT Hispanic or Latino
* Race/National Origin:	Race/National Origin:
I do not wish to furnish this information American Indian or Alaskan Native Asian or Pacific Islander Black, not of Hispanic Origin Hispanic White, not of Hispanic Origin Other	I do not wish to furnish this information American Indian or Alaskan Native Asian or Pacific Islander Black, not of Hispanic Origin Hispanic White, not of Hispanic Origin Other
* Sex	Sex
Female Male	Female Male

Comments
Special Instructions to your loan officer:
By submitting this form, you give the loan officer permission to order your credit report. After reviewing your application and your credit record, a Loan Officer will follow-up with you to review your home loan and rate lock options. Once contacted, your home loan process will begin!