Form 1003

Uniform Residential Loan Application
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


(First, Middle, Last, Suffix)
List any names by which you are known or any names under which credit was previously received (First, Middle, Last, Suffix)
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Citizenship(Required)
Type of Credit(Required)
List Name(s) of Other Borrower(s) Applying for this Loan
(First, Middle, Last, Suffix) - Use a separator between names
Marital Status(Required)
(not listed by another Borrower) Enter 0 for none.
(not listed by another Borrower) enter N/A if not applicable.

Current Address


Years at Current Address
Years at Current Address
Housing(Required)
Enter N/A if not applicable

If at Current Address for LESS than 2 years, list Former Address


Years at Current Address
Years at Current Address
Housing

Mailing Address


if different from Current Address

1b. Current Employment/Self-Employment and Income


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Check if this statement applies

Gross Monthly Income


1c. IF APPLICABLE, Complete Information for Additional Employment/Self-Employment and Income


Does not apply checkbox
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Check if this statement applies:

Gross Monthly Income


1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income


Provide at least 2 years of current and previous employment and income.
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1e. Income from Other Sources


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
Monthly income
Click on to add more entries
Hidden
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)
Financial Institution(Required)
Account Number(Required)
Cash or Market Value(Required)
Click on to add more entries

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
Asset or Credit Type - use list above
Cash or Market Value
Click on to add more entries

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
use list above




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
Liabilities and expenses
Monthly Payment
Click on to add more entries
Hidden
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.

3a. Property You Own


If you are refinancing, list the property you are refinancing FIRST.
Sold, Pending Sale, or Retained
Investment, Primary Residence, Second Home, Other
if not included in Monthly Mortgage Payment
For 2-4 Unit Primary or Investment Property
For 2-4 Unit Primary or Investment Property

Mortgage Loans on this Property


FHA, VA, Conventional, USDA-RD, Other
(if applicable)
FHA, VA, Conventional, USDA-RD, Other
(if applicable)

3b. IF APPLICABLE, Complete Information for Additional Property


Sold, Pending Sale, or Retained
Investment, Primary Residence, Second Home, Other
If not included in Monthly Mortgage Payment
For 2-4 Unit Primary or Investment Property
For 2-4 Unit Primary or Investment Property

Mortgage Loans on this Property


FHA, VA, Conventional USDA-RD, Other
(if applicable)
FHA, VA, Conventional, USDA-RD, Other
(if applicable)

3c. IF APPLICABLE, Complete Information for Additional Property


Sold, Pending Sale, or Retained
Investment, Primary Residence, Second Home, Other
if not included in Monthly Mortgage Payment
For 2-4 Unit Primary or Investment Property
For 2-4 Unit Primary or Investment Property

Mortgage Loans on this Property


FHA, VA, Conventional, USDA-RD, Other
(if applicable)
FHA, VA, Conventional, USDA-RD, Other
(if applicable)
Hidden
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 Purpose(Required)

Occupancy(Required)
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)
2. Manufactured Home. Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis)(Required)

4b. Other New Mortgage Loans on the Property You are Buying or Refinancing


1. Lien Type
(if applicable)
2. Lien Type

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

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
Cash Gift, Gift of Equity, Grant
1. Deposited/Not Deposited
Use list above
2. Deposited/Not Deposited
use list above
Hidden
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)
If YES, have you had an ownership interest in another property in the last three years?
If YES, Complete (1) and (2) on the right
B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?(Required)
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)
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)
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)
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)

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)
G. Are there any outstanding judgments against you?(Required)
H. Are you currently delinquent or in default on a Federal debt?(Required)
I. Are you a party to a lawsuit in which you potentially have any personal financial liability?(Required)
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?(Required)
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)
L. Have you had property foreclosed upon in the last 7 years?(Required)
M. Have you declared bankruptcy within the past 7 years?(Required)
If you answered YES to M, identify the type(s) of bankruptcy
Hidden
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
Type your name on the signature field
MM slash DD slash YYYY
Type name on the signature field
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)
If YES, check all that apply:
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
If Hispanic or Latino
For example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.
Sex
Race: Check on or more
Asian
For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
Native Hawaiian or Other Pacific Pacific Islander
For example: Fijian, Tongan, and so on.
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