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

the income or assets of the Borrower's spouse or other person who has community property or similar rights pursuant to applicable 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 who has community property or similar rights and the 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

Type of Mortgage and Terms of Loan

Mortgage Applied For

Agency Case Number

Lender Case Number

Amount

Interest Rate

No. of Months

Amortization Type

Property Information and Purpose of Loan

Subject Property Address

City

State

Zip

#Units

Legal Description of Subject Property

Year Built

Purpose of Loan

Property will be

Is this a construction or construction-permanent loan? Yes
No

Construction or Construction Permanent Loan Info

Year Lot Acquired

Original Cost

Amount Existing Liens

(a) Present Value of Lot

(b) Cost of Improvements

Total (a+b)

Is this a refinance loan? Yes
No

Refinance Loan Information

Year Acquired

Original Cost

Amount Existing Lien

Refi Purpose

Describe Improvements

Improvements are made
to be made

Title will be held in what Name(s)

Manner in which Title will be held

Estate will be held in: Fee Simple
Leasehold

(show expiration date)

Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain)

Employment Information

Borrower

Name of Employer

Self Employed

Street

City

State

Zip

Years Employed in This Line of Work/Profession

Years on this Job

Position/Title/Type of Business

Business Phone

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

Self Employed

Street

City

State

Zip

Date Started

Date Left

Monthly Income

Position/Title/Type of Business

Business Phone

Co-Borrower

Name of Employer

Self Employed

Street

City

State

Zip

Years on this Job

Years Employed in This Line of Work/Profession

Position/Title/Type of Business

Business Phone (inc. area code)

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

Name & Address of Employer

Self Employed

Street

City

State

Zip

Date Started

Date Left

Monthly Income

Position/Title/Type of Business

Business Phone

Monthly Income and Combined Housing Expense Information

Gross Monthly Income

Base Employment Income

Borrower

Co-Borrower

Overtime

Borrower

Co-Borrower

Bonuses

Borrower

Co-Borrower

Commissions

Borrower

Co-Borrower

Dividends/Interest

Borrower

Co-Borrower

Net Rental Income

Borrower

Co-Borrower

Other (before completing, see the notice in "describe other income," below)

Borrower

Co-Borrower

Total Income

Combined Monthly Housing Expense

Rent

Present

First Mortgage (P&I)

Present

Proposed

Other Financing (P&I)

Present

Proposed

Hazard Insurance

Present

Proposed

Real Estate Taxes

Present

Proposed

Mortgage Insurance

Present

Proposed

Homeowner Assn. Dues

Present

Proposed

Other

Present

Proposed

Total Expenses

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.

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 Income for Borrower

Other Income for Co-Borrower

Assets and Liabilities

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 about that spouse or other person also.

Completed Jointly
Not Jointly

Assets

Description

Cash or Market Value

Cash deposit toward purchase held by:

Cash Deposit

List checking and savings accounts below

Bank, S&L or Credit Union Name

Street

City

State

Zip

Account No.

Cash Value

Bank, S&L or Credit Union Name

Street

City

State

Zip

Account No.

Cash Value

Bank, S&L or Credit Union Name

Street

City

State

Zip

Account No.

Cash Value

Bank, S&L or Credit Union Name

Street

City

State

Zip

Account No.

Cash Value

Stocks & Bonds (Company name/number & description)

Life insurance net cash value

Life Insurance Face Value

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)

Business(es) Financial Statement

Automobiles Owned (make & year)

Automobiles Owned Cash Value

Other Assets (itemize)

Other Assets Cash Value

Total Assets (a)

Liabilities

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. Indicate by (*) those liabilities, which will be satisfied upon sale of real estate owned or upon refinancing of the subject property.

Name of Company (1)

Liability Street (1)

Liability City (1)

Liability State (1)

Liability Zip (1)

Liability Account No. (1)

Liability Payment Amount(1)

Liability Payment Months Remaining (1)

Liability Unpaid Balance (1)

Name of Company (2)

Liability Street (2)

Liability City (2)

Liability State (2)

Liability Zip (2)

Liability Account No. (2)

Liability Payment Amount(2)

Liability Payment Months Remaining (2)

Liability Unpaid Balance (2)

Name of Company (3)

Liability Street (3)

Liability City (3)

Liability State (3)

Liability Zip (3)

Liability Account No. (3)

Liability Payment Amount(3)

Liability Payment Months Remaining (3)

Liability Unpaid Balance (3)

Name of Company (4)

Liability Street (4)

Liability City (4)

Liability State (4)

Liability Zip (4)

Liability Account No. (4)

Liability Payment Amount(4)

Liability Payment Months Remaining (4)

Liability Unpaid Balance (4)

Name of Company (5)

Liability Street (5)

Liability City (5)

Liability State (5)

Liability Zip (5)

Liability Account No. (5)

Liability Payment Amount (5)

Liability Payment Months Remaining (5)

Liability Unpaid Balance (5)

Alimony/Child Support/Separate Maintenance Payments Owned to:

Liability Payment Amount (5)

Liability Unpaid Balance (5)

Job-Related Expense (child care, union dues, etc..)

Total Monthly Payments

Net Worth

Schedule of Real Estate Owned

Property Address (1)

Property Status (1)

Type of Property (1)

Present Market Value (1)

Amount of Mortgage & Liens (1)

Gross Rental Income (1)

Mortgage Payments (1)

Insurance, Maintenance, Taxes & Misc. (1)

Net Rental Income (1)

Property Address (2)

Property Status (2)

Type of Property (2)

Present Market Value (2)

Amount of Mortgage & Liens (2)

Gross Rental Income (2)

Mortgage Payments (2)

Insurance, Maintenance, Taxes & Misc. (2)

Net Rental Income (2)

Property Address (3)

Property Status (3)

Type of Property (3)

Present Market Value (3)

Amount of Mortgage & Liens (3)

Gross Rental Income (3)

Mortgage Payments (3)

Residential Loan Application

Type of Mortgage and Terms of Loan

Property Information and Purpose of Loan

Construction or Construction Permanent Loan Info

Refinance Loan Information

Borrower Information

Borrower

Dependents (not listed by Co-Borrower)

If residing at present address for less than two years, complete the following:

Co-Borrower

Dependents (not listed by Borrower)

If residing at present address for less than two years, complete the following:

Employment Information

Borrower

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

Co-Borrower

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

Monthly Income and Combined Housing Expense Information

Gross Monthly Income

Combined Monthly Housing Expense

Assets and Liabilities

Assets

Liabilities

Schedule of Real Estate Owned