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Home » Personal » Residential Loan Application

Residential Loan Application

Step 1 of 17

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This application is designed to be completed by the applicant(s) with the Lender’s assistance. Applicants should complete this form as “Borrower” or “Co-Borrower”, as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the “Borrower” (including the Borrower’s spouse) will be used as a basis for loan qualification or the income or assets of the Borrower’s spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan. If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):
Borrower
Co-Borrower
I. TYPE OF MORTGAGE AND TERMS OF LOAN
Mortgage Applied for
- VA
- FHA
- Conventional
- USDA/Rural Housing Service
- Other
If other explain:
Agency Case Number
Lender Case Number
Amount
Please enter a number greater than or equal to 0.
Interest Rate
Please enter a number greater than or equal to 0.
No. of Months
Please enter a number greater than or equal to 0.
Amortization Type
- Fixed Rate
- GPM
- Other
- ARM
Other Explain
AMR Type

II. PROPERTY INFORMATION AND PURPOSE OF LOAN
Subject Property Address
Street Address City State / Province / Region ZIP / Postal Code Country
Legal Description of Subject Property
Year Built
Purpose of Loan
- Purchase
- Refinance
- Construction
- Construction-Permanent
- Other
Property will be
- Primary Residence
- Secondary Residence
- Investment
Complete this line if construction or construction-permanent loan.
Year Lot Acquired
Original Cost
Amount Existing Liens
(a) Present Value of Lot
(b) Cost of Improvements
Total (a+b)
Complete this line if this is a refinance loan.
Year Acquired
Original Cost
Amount Existing Liens
Purpose of Refinance
Describe Improvements
- made
- to be made
Cost
Title will be held in what Name(s)
Manner in which Title will be held
Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain)
Estate will be held in:
- Fee Simple
- Leasehold
Leasehold expiration date
MM slash DD slash YYYY

III. BORROWER INFORMATION
Page 1
Borrower
Borrower's Name (include Jr. or Sr. if applicable)
Social Security Number
Home Phone (incl. area code)
DOB (mm/dd/yyyy)
MM slash DD slash YYYY
Yrs. School
Marital Status
- Married (includes registered domestic partners)
- Unmarried (includes single, divorced, widowed)
- Separated
Dependents (not listed by Co-Borrower)
Number
Please enter a number greater than or equal to 0.
Ages
Present Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Mailing Address, if different from Present Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Status
- Own
- Rent
For how many years?
If residing at present address for less than two years, complete the following:
Former Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
For how many years?
Status
- Own
- Rent
Former Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
For how many years?
Status
- Own
- Rent

III. BORROWER INFORMATION
Page 2
Co-Borrower
Co-Borrower's Name (include Jr. or Sr. if applicable)
Social Security Number
Home Phone (incl. area code)
DOB (mm/dd/yyyy)
MM slash DD slash YYYY
Yrs. School
Marital Status
- Married (includes registered domestic partners)
- Unmarried (includes single, divorced, widowed)
- Separated
Dependents (not listed by Borrower)
Number
Please enter a number greater than or equal to 0.
Ages
Present Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Mailing Address, if different from Present Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Status
- Own
- Rent
For how many years?
If residing at present address for less than two years, complete the following:
Former Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
For how many years?
Status
- Own
- Rent
Former Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
For how many years?
Status
- Own
- Rent

IV. EMPLOYMENT INFORMATION
Page 1
Borrower
Name of Employer
Status
- Self Employed
Years on this job?
Years employed in this line of work/profession?
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Name of Employer
Status
- Self Employed
From Date:
MM slash DD slash YYYY
To Date:
MM slash DD slash YYYY
Monthly Income
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Employer
Status
- Self Employed
From Date:
MM slash DD slash YYYY
To Date:
MM slash DD slash YYYY
Monthly Income
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Employer
Status
- Self Employed
From Date:
MM slash DD slash YYYY
To Date:
MM slash DD slash YYYY
Monthly Income
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Employer
Status
- Self Employed
From Date:
MM slash DD slash YYYY
To Date:
MM slash DD slash YYYY
Monthly Income
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

IV. EMPLOYMENT INFORMATION
Page 2
Co-Borrower
Name of Employer
Status
- Self Employed
Yrs. on this job
Yrs. employed in this line of work/profession
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Name of Employer
Status
- Self Employed
Date From:
MM slash DD slash YYYY
Date To:
MM slash DD slash YYYY
Monthly Income
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Employer
Status
- Self Employed
Date From:
MM slash DD slash YYYY
Date To:
MM slash DD slash YYYY
Monthly Income
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Employer
Status
- Self Employed
Date From:
MM slash DD slash YYYY
Date To:
MM slash DD slash YYYY
Monthly Income
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Employer
Status
- Self Employed
Date From:
MM slash DD slash YYYY
Date To:
MM slash DD slash YYYY
Monthly Income
Position/Title/Type of Business
Business Phone (incl. area code)
Address of Employer
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION
Page 1
Gross Monthly Income
Borrower
Base Empl. Income*
* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
Overtime
Bonuses
Commissions
Dividends/Interest
Net Rental Income
Describe Other Income

Notice:

Alimony, child support, or separate maintenance income need not be revealed if the
Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.
Other
Other
Total

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION
Page 2
Gross Monthly Income
Co-Borrower
Base Empl. Income*
* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
Overtime
Bonuses
Commissions
Dividends/Interest
Net Rental Income
Describe Other Income

Notice:

Alimony, child support, or separate maintenance income need not be revealed if the
Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.
Other
Other
Total

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION
Page 3
Gross Monthly Income
Totals, Borrower + Co-Borrower
Base Empl. Income*
* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
Overtime
Bonuses
Commissions
Dividends/Interest
Net Rental Income
Describe Other Income

Notice:

Alimony, child support, or separate maintenance income need not be revealed if the
Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.
Other
Other
Total

VI. ASSETS AND LIABILITIES
Page 1
This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed by that spouse or other person also.
Completed
- Jointly
- Not Jointly
Assets
Assets Cash or Market Value
Cash deposit toward purchase held by:
List checking and savings accounts below
Name of Bank, S&L, or Credit Union
Address of Bank, S&L, or Credit Union
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Acct. no.
Balance
Name of Bank, S&L, or Credit Union
Address of Bank, S&L, or Credit Union
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Acct. no.
Balance
Name of Bank, S&L, or Credit Union
Address of Bank, S&L, or Credit Union
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Acct. no.
Balance
Stocks & Bonds
Company name/number description
Stocks & Bonds Cash or Market Value
Life insurance net cash value
Life insurance Face amount
Subtotal Liquid Assets
Real estate owned
enter market value from schedule of real estate owned
Vested interest in retirement fund
Net worth of business(es) owned
attach financial statement
Automobiles owned (make and year)
Automobiles Value
Other Assets (itemize)
Value
Total Assets a.

VI. ASSETS AND LIABILITIES
Page 2
Liabilities and Pledged Assets.List the creditor’s name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinancing of the subject property.
LIABILITIES
Name of Company
$ Payment/Months
Unpaid Balance
Acct. no.
Address of Company
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Company
$ Payment/Months
Unpaid Balance
Acct. no.
Address of Company
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Company
$ Payment/Months
Unpaid Balance
Acct. no.
Address of Company
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Company
$ Payment/Months
Unpaid Balance
Acct. no.
Address of Company
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Company
$ Payment/Months
Unpaid Balance
Acct. no.
Address of Company
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Name of Company
$ Payment/Months
Unpaid Balance
Acct. no.
Address of Company
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Alimony/Child Support/Separate Maintenance Payments Owed to:
Amount
Job-Related Expense (child care, union dues, etc.)
Amount
Total Monthly Payments
Net Worth (a minus b)
Total Liabilities b.

VI. ASSETS AND LIABILITIES
Page 3
Schedule of Real Estate Owned
Property Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Enter S if sold, PS if pending sale or R if rental being held for income
Type of Property
Present Market Value
Amount of Mortgages & Liens
Gross Rental Income
Mortgage Payments
Insurance, Maintenance, Taxes & Misc.
Net Rental Income
Property Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Enter S if sold, PS if pending sale or R if rental being held for income
Type of Property
Present Market Value
Amount of Mortgages & Liens
Gross Rental Income
Mortgage Payments
Insurance, Maintenance, Taxes & Misc.
Net Rental Income
Property Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Enter S if sold, PS if pending sale or R if rental being held for income
Type of Property
Present Market Value
Amount of Mortgages & Liens
Gross Rental Income
Mortgage Payments
Insurance, Maintenance, Taxes & Misc.
Net Rental Income
Totals
Present Market Value
Amount of Mortgages & Liens
Gross Rental Income
Mortgage Payments
Insurance, Maintenance, Taxes & Misc.
Net Rental Income
List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):
Alternate Name
Creditor Name
Account Number
Alternate Name
Creditor Name
Account Number

VII. DETAILS OF TRANSACTION
a. Purchase price
b. Alterations, improvements, repairs
c. Land
(if acquired separately)
d. Refinance
(incl. debts to be paid off)
e. Estimated prepaid items
f. Estimated closing costs
g. PMI, MIP, Funding Fee
h. Discount
(if Borrower will pay)
i. Total costs
(add items a through h)
j. Subordinate financing
k. Borrower's closing costs paid by Seller
l. Other Credits
l. Other Credits
explain
m. Loan amount
exclude PMI, MIP, Funding Fee financed
n. PMI, MIP, Funding Fee financed
o. Loan amount
add m & n
p. Cash from/to Borrower
(subtract j, k, l & o from i)

VIII. DECLARATIONS
Borrower
a. Are there any outstanding judgments against you?
- Yes
- No
b. Have you been declared bankrupt within the past 7 years?
- Yes
- No
c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
- Yes
- No
d. Are you a party to a lawsuit?
- Yes
- No
e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment?
- Yes
- No
(This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If “Yes,” provide details, including date, name, and address of Lender, FHA or VA case number, if any, and reasons for the action.)
f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?
- Yes
- No
If “Yes,” give details as described in the preceding question.
g. Are you obligated to pay alimony, child support, or separate maintenance?
- Yes
- No
h. Is any part of the down payment borrowed?
- Yes
- No
i. Are you a co-maker or endorser on a note?
- Yes
- No
j. Are you a U. S. citizen?
- Yes
- No
k. Are you a permanent resident alien?
- Yes
- No
l. Do you intend to occupy the property as your primary residence?
- Yes
- No
If “Yes,” complete question m below.
m. Have you had an ownership interest in a property in the last three years?
- Yes
- No
(1) What type of property did you own-principal residence (PR), second home (SH), or investment property (IP)?
(2) How did you hold title to the home-solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?
Co-Borrower
a. Are there any outstanding judgments against you?
- Yes
- No
b. Have you been declared bankrupt within the past 7 years?
- Yes
- No
c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
- Yes
- No
d. Are you a party to a lawsuit?
- Yes
- No
e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment?
- Yes
- No
(This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If “Yes,” provide details, including date, name, and address of Lender, FHA or VA case number, if any, and reasons for the action.)
f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?
- Yes
- No
If “Yes,” give details as described in the preceding question.
g. Are you obligated to pay alimony, child support, or separate maintenance?
- Yes
- No
h. Is any part of the down payment borrowed?
- Yes
- No
i. Are you a co-maker or endorser on a note?
- Yes
- No
j. Are you a U. S. citizen?
- Yes
- No
k. Are you a permanent resident alien?
- Yes
- No
l. Do you intend to occupy the property as your primary residence?
- Yes
- No
If “Yes,” complete question m below.
m. Have you had an ownership interest in a property in the last three years?
- Yes
- No
(1) What type of property did you own-principal residence (PR), second home (SH), or investment property (IP)?
(2) How did you hold title to the home-solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

IX. ACKNOWLEDGEMENT AND AGREEMENT
Each of the undersigned specifically represents to Lender and to Lender’s actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the “Loan”) will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors, or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.

Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate purpose through any source, including a source named in this application or a consumer reporting agency.

Right to Receive Copy of Appraisal I/We have the right to a copy of the appraisal report used in connection with this application for credit. To obtain a copy, I/we must send Creditor a written request at the mailing address Creditor has provided. Creditor must hear from us no later than 90 days after Creditor notifies me/us about the action taken on this application, or I/we withdraw this application. If you would like a copy of the appraisal report, contact: TXN Bank, N.A. 103 19th St, P.O. Box 130 Hondo, TX 78861
You will be emailed instructions on how to sign the document once this form is submitted
Borrower's Email Address*
Co-Borrower's Email Address

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
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 not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the 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
I do not wish to furnish this information
- Yes
Ethnicity
- Hispanic or Latino
- Not Hispanic or Latino
Race
- American Indian or Alaska Native
- Asian
- Black or African American
- Native Hawaiian or Other Pacific Islander
- White
Sex
- Female
- Male
CO-BORROWER
I do not wish to furnish this information
- Yes
Ethnicity
- Hispanic or Latino
- Not Hispanic or Latino
Race
- American Indian or Alaska Native
- Asian
- Black or African American
- Native Hawaiian or Other Pacific Islander
- White
Sex
- Female
- Male
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