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Form 1003
Form 1003 (1)
Uniform Residential Loan Application
Step
1
of
7
14%
Verify and complete the information on this application.
If you are applying for this loan with other, each additional Borrower must provide information as directed by your Lender.
Section 1: Borrower Information.
This section asks about your personal information and your income from employment and other sources, such as retirement, that you want considered to qualify for this loan.
1a. Personal Information
Name
(Required)
(First, Middle, Last, Suffix)
Alternate Names
List any names by which you are known or any names under which credit was previously received (First, Middle, Last, Suffix)
Social Security Number
(Required)
Date of Birth
(Required)
MM slash DD slash YYYY
Citizenship
(Required)
U.S. Citizen
Permanent Resident Alien
Non-Permanent Resident Alien
Type of Credit
(Required)
I am applying for individual credit
I am applying for joint credit.
Total Number of Borrowers:
(Required)
Your initials:
(Required)
List Name(s) of Other Borrower(s) Applying for this Loan
Add
Remove
(First, Middle, Last, Suffix) - Use a separator between names
Marital Status
(Required)
Married
Separated
Unmarried (Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered Reciprocal Beneficiary Relationship)
Number of Dependents
(not listed by another Borrower)
Age of Dependents
(not listed by another Borrower)
Home Phone
(Required)
Cell Phone
(Required)
Work Phone
(Required)
Ext.
Email
(Required)
Current Address
Street
(Required)
Unit #
City
(Required)
State
(Required)
ZIP
(Required)
Country
(Required)
Years
(Required)
Years at Current Address
Months
(Required)
Years at Current Address
Housing
(Required)
No primary housing expense
Own
Rent
Rent per month
If at Current Address for LESS than 2 years, list Former Address
Does not Apply
Street
Unit #
City
State
ZIP
Country
Years
Years at Current Address
Months
Years at Current Address
Housing
No primary housing expense
Own
Rent
Rent per month
Mailing Address
if different from Current Address
Does not apply
Street
Unit #
City
State
ZIP
Country
1b. Current Employment/Self-Employment and Income
Does not apply
Employer or Business Name
Phone
Street
Unit #
City
State
ZIP
Country
Position or Title
Start Date
MM slash DD slash YYYY
Years in this line of work
Months in this line of work
Check if this statement applies
I am employed by a family member, property seller, real estate agent, or other party to the transaction.
Check if you are the Business Owner or Self-Employed
I have an ownership share of less than 25%.
I have an ownership share of 25% or more.
Monthly Income (or Loss)
Gross Monthly Income
Base
Overtime
Bonus
Commission
Military Entitlements
Other
TOTAL
1c. IF APPLICABLE, Complete Information for Additional Employment/Self-Employment and Income
Does not apply checkbox
Does not apply
Employer or Business Name
Phone
Street
Unit #
City
State
ZIP
Country
Position or Title
Start Date
MM slash DD slash YYYY
Years in this line of work
Months in this line of work
Check if this statement applies:
am employed by a family member, property seller, real estate agent, or other party to the transaction.
Check if you are the Business Owner or Self-Employed
I have an ownership share of less than 25%.
I have an ownership share of 25% or more.
Monthly Income (or Loss)
Gross Monthly Income
Base
Overtime
Bonus
Commission
Military Entitlements
Other
TOTAL
1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income
Provide at least 2 years of current and previous employment and income.
Does not apply
Employer or Business Name
Street
Unit #
City
State
ZIP
Country
Position or Title
Start Date
MM slash DD slash YYYY
End Date
MM slash DD slash YYYY
Check if you were the Business Owner or Self-Employed
Previous Gross Monthly Income
1e. Income from Other Sources
Does not apply
Include income from other sources below. Under Income Source, choose from the sources listed here:
Alimony • Automobile Allowance • Boarder Income • Capital Gains • Child Support • Disability • Foster Care • Housing or Parsonage • Interest and Dividends • Mortgage Credit Certificate • Mortgage Differential Payments • Notes Receivable • Public Assistance • Retirement (e.g., Pension, IRA) • Royalty Payments • Separate Maintenance • Social Security • Trust • Unemployment Benefits • VA Compensation • Other
NOTE:
Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan
Income Source - use list above
Add
Remove
Monthly income
Add
Remove
Click on
to add more entries
Total Monthly Income
Hidden
Borrower Name:
Uniform Residential Loan Application
Freddie Mac Form 65 * Fannie Mae Form 1003
Effective 1/2021
Section 2: Financial Information — Assets and Liabilities.
This section asks about things you own that are worth money and that you want considered to qualify for this loan. It then asks about your liabilities (or debts) that you pay each month, such as credit cards, alimony, or other expenses.
2a. Assets – Bank Accounts, Retirement, and Other Accounts You Have
Include all accounts below. Under Account Type, choose from the types listed here:
• Checking • Savings • Money Market • Certificate of Deposit • Mutual Fund • Stocks • Stock Options • Bonds • Retirement (e.g., 401k, IRA) • Bridge Loan Proceeds • Individual Development Account • Trust Account • Cash Value of Life Insurance (used for the transaction)
Account Type - use list above
(Required)
Add
Remove
Financial Institution
(Required)
Add
Remove
Account Number
(Required)
Add
Remove
Cash or Market Value
(Required)
Add
Remove
Click on
to add more entries
TOTAL amount of cash and Market values
(Required)
2b. Other Assets and Credits You Have
Include all other assets and credits below. Under Asset or Credit Type, choose from the types listed here:
Assets • Proceeds from Real Estate Property to be sold on or before closing • Proceeds from Sale of Non-Real Estate Asset • Secured Borrowed Funds • Unsecured Borrowed Funds • Other Credits • Earnest Money • Employer Assistance • Lot Equity • Relocation Funds • Rent Credit • Sweat Equity • Trade Equity
Does not apply
Asset or Credit Type - use list above
Add
Remove
Cash or Market Value
Add
Remove
Click on
to add more entries
TOTAL amount of cash or market values
2c. Liabilities – Credit Cards, Other Debts, and Leases that You Owe
List all liabilities below (except real estate) and include deferred payments. Under Account Type, choose from the types listed here:
• Revolving (e.g., credit cards) • Installment (e.g., car, student, personal loans) • Open 30-Day (balance paid monthly) • Lease (not real estate) • Other
Does not apply
1. Account Type
use list above
1. Company Name
1. Account Number
1. Unpaid Balance
To be paid off at or before closing
1. Monthly Payment
2. Account Type
2. Company Name
2. Account Number
2. Unpaid Balance
To be paid off at or before closing
2. Monthly Payment
3. Account Type
3. Company Name
3. Account Number
3. Unpaid Balance
To be paid off at or before closing
3. Monthly Payment
4. Account Type
4. Company Number
4. Account Number
4. Unpaid Balance
To be paid off at or before closing
4. Monthly Payment
5. Account Type
5. Company Name
5. Account Number
5. Unpaid Balance
To be paid off at or before closing
5. Monthly Payment
2d. Other Liabilities and Expenses
Include all other liabilities and expenses below. Choose from the types listed here:
• Alimony • Child Support • Separate Maintenance • Job Related Expenses • Other
Does not Apply
Does not apply
Liabilities and expenses
Add
Remove
Monthly Payment
Add
Remove
Click on
to add more entries
Hidden
Borrower Name:
Uniform Residential Loan Application
Freddie Mac Form 65 * Fannie Mae Form 1003
Effective 1/2021
Section 3: Financial Information — Real Estate.
This section asks you to list all properties you currently own and what you owe on them.
I do not own any real estate
3a. Property You Own
If you are refinancing, list the property you are refinancing FIRST.
Street Address
Unit #
City
State
ZIP
Country
Property Value
Status
Sold, Pending Sale, or Retained
Intended Occupancy
Investment, Primary Residence, Second Home, Other
Monthly Insurance,Taxes, Association Dues, etc.
if not included in Monthly Mortgage Payment
Monthly Rental Income
For 2-4 Unit Primary or Investment Property
For LENDER to calculate: Net Monthly Rental Income
For 2-4 Unit Primary or Investment Property
Mortgage Loans on this Property
Does not apply
1. Creditor Name
1. Account Number
1. Monthly Mortgage payment
1. Unpaid Balance
To be paid off at or before closing
Type:
FHA, VA, Conventional, USDA-RD, Other
Credit Limit
(if applicable)
2. Creditor Name
2. Account Number
2. Monthly Mortgage Payment
2. Unpaid Balance
To be paid off at or before closing
Type:
FHA, VA, Conventional, USDA-RD, Other
Credit Limit
(if applicable)
3b. IF APPLICABLE, Complete Information for Additional Property
Does not apply
Street Address
Unit #
City
State
ZIP
Country
Property Value
Status:
Sold, Pending Sale, or Retained
Intended Occupancy:
Investment, Primary Residence, Second Home, Other
Monthly Insurance, Taxes, Association Dues, etc.
If not included in Monthly Mortgage Payment
Monthly Rental Income
For 2-4 Unit Primary or Investment Property
For LENDER to Calculate: Net Monthly Rental Income
For 2-4 Unit Primary or Investment Property
Mortgage Loans on this Property
Does not apply
1. Creditor Name
1. Account Number
1. Monthly Mortgage Payment
1. Unpaid Balance
To be paid off at or before closing
1. Type
FHA, VA, Conventional USDA-RD, Other
1. Credit Limit
(if applicable)
2. Creditor Name
2. Account Number
2. Monthly Mortgage Payment
2. Unpaid Balance
To be paid off at or before closing
2. Type:
FHA, VA, Conventional, USDA-RD, Other
2. Credit Limit
(if applicable)
3c. IF APPLICABLE, Complete Information for Additional Property
Does not apply
Street Address
Unit #
City
State
ZIP
Country
Property Value
Status:
Sold, Pending Sale, or Retained
Intended Occupancy
Investment, Primary Residence, Second Home, Other
Monthly Insurance, Taxes, Association Dues, etc
if not included in Monthly Mortgage Payment
Monthly Rental Income
For 2-4 Unit Primary or Investment Property
For LENDER to calculate: Net Monthly Rental Income
For 2-4 Unit Primary or Investment Property
Mortgage Loans on this Property
Does not apply
1. Creditor Name
1. Account Number
1. Monthly Mortgage Payment
1. Unpaid Balance
To be paid off at or before closing
1. Type:
FHA, VA, Conventional, USDA-RD, Other
1. Credit Limit
(if applicable)
2. Creditor Name
2. Account Number
2. Monthly Mortgage Payment
2. Unpaid Balance
To be paid off at or before closing
2. Type:
FHA, VA, Conventional, USDA-RD, Other
2. Credit Limit
(if applicable)
Hidden
Borrower Name:
Uniform Residential Loan Application
Freddie Mac Form 65 • Fannie Mae Form 1003
Effective 1/2021
Section 4: Loan and Property Information.
This section asks about the loan’s purpose and the property you want to purchase or refinance.
4a. Loan and Property Information
Loan Amount
(Required)
Loan Purpose
(Required)
Purchase
Refinance
Other
Street Address
(Required)
Unit #
City
(Required)
State
(Required)
ZIP
(Required)
Country
(Required)
Number of Units
(Required)
Property Value
(Required)
Occupancy
(Required)
Primary Residence
Second Home
Investment Property
FHA Secondary Residence
1. Mixed-Use Property. If you will occupy the property, will you set aside space within the property to operate your own business? (e.g., daycare facility, medical office, beauty/barber shop)
(Required)
NO
YES
2. Manufactured Home. Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis)
(Required)
NO
YES
4b. Other New Mortgage Loans on the Property You are Buying or Refinancing
Does not apply
1. Creditor Name
1. Lien Type
First Lien
Subordinate Lien
1. Monthly Payment
1, Loan Amount/Amount to be Drawn
1. Credit Limit
(if applicable)
2. Creditor Name
2. Lien Type
First Lien
Subordinate Lien
2. Monthly Payment
2. Loan Amount/Amount to be Drawn
2. Credit Limit
4c. Rental Income on the Property You Want to Purchase
For Purchase Only
Complete if the property is a 2-4 Unit Primary Residence or an Investment Property
Does not apply
Expected Monthly Rental Income
For LENDER to calculate: Expected Net Monthly Rental Income
4d. Gifts or Grants You Have Been Given or Will Receive for this Loan
Include all gifts and grants below. Under Source, choose from the sources listed here:
• Community Nonprofit • Employer • Federal Agency • Local Agency • Relative • Religious Nonprofit • State Agency • Unmarried Partner • Lender • Other
1. Asset Type:
Cash Gift, Gift of Equity, Grant
1. Deposited/Not Deposited
Deposited
Not Deposited
1. Source
Use list above
1. Cash or Market Value
2. Asset Type
2. Deposited/Not Deposited
Deposited
Not Deposited
2. Source
use list above
2. Cash or Market Value
Hidden
Borrower Name:
Uniform Residential Loan Application
Freddie Mac Form 65 • Fannie Mae Form 1003
Effective 1/2021
Section 5: Declarations.
This section asks you specific questions about the property, your funding, and your past financial history
5a. About this Property and Your Money for this Loan
A. Will you occupy the property as your primary residence?
(Required)
NO
YES
If YES, have you had an ownership interest in another property in the last three years?
NO
YES
If YES, Complete (1) and (2) on the right
(1) What type of property did you own: primary residence (PR), FHA secondary residence (SR), second home (SH), or investment property (IP)?
(Required)
(2) How did you hold title to the property: by yourself (S), jointly with yourspouse (SP), or jointly with another person (O)?
(Required)
B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?
(Required)
NO
YES
C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application?
(Required)
NO
YES
If you answered C YES, 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?
(Required)
NO
YES
D. 2. Have you or will you be applying for any new credit (e.g., installmentloan, credit card, etc.) on or before closing thisloan that is not disclosed on this application?
(Required)
NO
YES
E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)?
(Required)
NO
YES
5b. About Your Finances
F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
(Required)
NO
YES
G. Are there any outstanding judgments against you?
(Required)
NO
YES
H. Are you currently delinquent or in default on a Federal debt?
(Required)
NO
YES
I. Are you a party to a lawsuit in which you potentially have any personal financial liability?
(Required)
NO
YES
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
(Required)
NO
YES
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 mortgage balance due?
(Required)
NO
YES
L. Have you had property foreclosed upon in the last 7 years?
(Required)
NO
YES
M. Have you declared bankruptcy within the past 7 years?
(Required)
NO
YES
If you answered YES to M, identify the type(s) of bankruptcy
Chapter 7
Chapter 11
Chapter 12
Chapter 13
Hidden
Borrower Name:
Uniform Residential Loan Application
Freddie Mac Form 65 • Fannie Mae Form 1003
Effective 1/2021
Section 6: Acknowledgments and Agreements.
This section tells you about your legal obligations when you sign this application.
Definitions:
• "Lender" includes the Lender’s agents, service providers, and any of their successors and assigns.
• "Other Loan Participants" includes (i) any actual or potential owners of a loan resulting from this application (the “Loan”), (ii) acquirers of any beneficial or other interest in the Loan, (iii) any mortgage insurer, (iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these parties' service providers, successors or assigns.
I agree to, acknowledge, and represent the following:
(1) The Complete Information for this Application
• The information I have provided in this application is true, accurate, and complete as of the date I signed this application.
• If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application, including providing any updated/supplemented real estate sales contract.
• For purchase transactions: The terms and conditions of any real estate sales contract signed by me in connection with this application are true, accurate, and complete to the best of my knowledge and belief. I have not entered into any other agreement, written or oral, in connection with this real estate transaction.
• The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan.
• Any intentional or negligent misrepresentation of information may result in the imposition of:
(a) civil liability on me, including monetary damages, if a person suffers any loss because the person relied on any misrepresentation that I have made on this application, and/or
(b) criminal penalties on me including, but not limited to, fine or imprisonment or both under the provisions of Federal law (18 U.S.C. §§ 1001 et seq.).
(2) The Property’s Security
The Loan I have applied for in this application will be secured by a mortgage or deed of trust which provides the Lender a security interest in the property described in this application.
(3) The Property’s Appraisal, Value, and Condition
• Any appraisal or value of the property obtained by the Lender is for use by the Lender and Other Loan Participants.
• The Lender and Other Loan Participants have not made any representation or warranty, express or implied, to me about the property, its condition, or its value.
(4) Electronic Records and Signatures
• The Lender and Other Loan Participants may keep any paper record and/or electronic record of this application, whether or not the Loan is approved.
• If this application is created as (or converted into) an “electronic application”, I consent to the use of “electronic records” and “electronic signatures” as the terms are defined in and governed by applicable Federal and/or state electronic transactions laws.
• I intend to sign and have signed this application either using my:
(a) electronic signature; or
(b) a written signature and agree that if a paper version of this application is converted into an electronic application, the application will be an electronic record, and the representation of my written signature on this application will be my binding electronic signature.
• I agree that the application, if delivered or transmitted to the Lender or Other Loan Participants as an electronic record with my electronic signature, will be as effective and enforceable as a paper application signed by me in writing.
(5) Delinquency
• The Lender and Other Loan Participants may report information about my account to credit bureaus. Late payments, missed payments, or other defaults on my account may be reflected in my credit report and will likely affect my credit score.
• If I have trouble making my payments I understand that I may contact a HUD-approved housing counseling organization for advice about actions I can take to meet my mortgage obligations.
(6) Authorization for Use and Sharing of Information
By signing below, in addition to the representations and agreements made above, I expressly authorize the Lender and Other Loan Participants to obtain, use, and share with each other (i) the loan application and related loan information and documentation, (ii) a consumer credit report on me, and (iii) my tax return information, as necessary to perform the actions listed below, for so long as they have an interest in my loan or its servicing:
(a) process and underwrite my loan;
(b) verify any data contained in my consumer credit report, my loan application and other information supporting my loan application;
(c) inform credit and investment decisions by the Lender and Other Loan Participants;
(d) perform audit, quality control, and legal compliance analysis and reviews;
(e) perform analysis and modeling for risk assessments;
(f) monitor the account for this loan for potential delinquencies and determine any assistance that may be available to me; and
(g) other actions permissible under applicable law
Borrower Signature
(Required)
Type your name on the signature field
Date
(Required)
MM slash DD slash YYYY
Additional Borrower Signature
Type name on the signature field
Date
MM slash DD slash YYYY
Section 7: Military Service.
This section asks questions about your (or your deceased spouse's) military service.
Military Service of Borrower
Military Service – Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?
(Required)
NO
YES
If YES, check all that apply:
Currently serving on active duty with projected expiration date of service/tour
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
Expiration date of service/tour if currently serving
MM slash DD slash YYYY
Section 8: Demographic Information.
This section asks about your ethnicity, sex, and race
The purpose of collecting this information
is to help ensure that all 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.
Ethnicity: Check on or more
Hispanic or Latino
Not Hispanic or Latino
I do not wish to provide this information
If Hispanic or Latino
Mexican
Puerto Rican
Cuban
Other Hispanic or Latino
Other Hispanic or Latino
For example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.
Sex
Female
Male
I do not wish to provide this information
Race: Check on or more
American Indian or Alaska Native – Print name of enrolled or principal tribe
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White
I do not wish to provide this information
American Indian or Alaska Native – Print name of enrolled or principal tribe:
Asian
Asian Indian
Japanese
Chinese
Korean
Filipino
Vietnamese
Other Asian
Other Asian, please specify
For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
Native Hawaiian or Other Pacific Pacific Islander
Native Hawaiian
Guamanian or Chamorro
Samoan
Other Pacific islander
Other Pacific islander - Print race:
For example: Fijian, Tongan, and so on.
Loan Originator Name
Loan Originator NMLSR ID#
State License ID#
CAPTCHA
FOUNTAIN VALLEY
714-318-2092
17220 Newhope Street #214
Fountain Valley, CA 92708
