Complete Application


1. Basic Loan Information
Mortgage Applied for:
Loan Amount:
Interest Rate:   %
No. of Months:
Amortization Type:

2. Property Information and Purpose of Loan
Subject Property Address: (if known)
City:
State:
ZIP Code:
County:
Number of Units:
Purpose of Loan:
Property Will Be:
Purchase Price or Estimated Value:
Source of Down Payment, Settlement Charges, and/or Subordinate Financing:
Estate Will Be Held in:

Only Complete the three items below if this is a Construction, Construction-Permanent Loan
(Purpose of Loan Section 2 above)
Amount of Existing Liens:
Present Value:
Cost of Improvements:

Only Complete the two items below if this is a Refinance Loan
(Purpose of Loan Section 2 above)
Amount of Existing Liens:
Purpose of Refinance:

3. Borrower Information

First Name:  *
Middle Name:
Last Name:  *
Suffix:  (Sr., Jr., III, etc.)
You may check my credit report at this time  
Date of Birth:  (MM/DD/YYYY)
Years of School Completed:  years
Home Phone:  *  (Example:5555555555)
Marital Status:
Number of Dependents:  (Not listed by Co-Borrower)
Email Address:  *
Present Address
Street:
City:
State:
ZIP Code:
Rent or Own?
How Long at Address:  years
Mailing Address
Check here if same as Present Address  
Street or PO:
City:
State:
ZIP Code:
Former Address (Complete the following if at present address less than two years)
Street:
City:
State:
ZIP Code:
Rent or Own?
How Long at Address:  years

3b. Co-Borrower Information
First Name: *
Middle Name:
Last Name: *
Suffix:  (Sr., Jr., III, etc.)
You may check my credit report at this time  
Date of Birth:  (MM/DD/YYYY)
Years of School Completed:  years
Home Phone: *  (Example:5555555555)
Marital Status:
Number of Dependents:  (Not listed by Borrower)
Email Address: *
Present Address
Street:
City:
State:
ZIP Code:
Rent or Own?
How Long at Address:  years
Mailing Address
Check here if same as Present Address  
Street or PO:
City:
State:
ZIP Code:
Former Address (Complete the following if at present address less than two years)
Street:
City:
State:
ZIP Code:
Rent or Own?
How Long at Address:  years

4. Employment Information

Current Employer
Borrower
Employer Information:
Name:
Address:
City:
State:
ZIP Code:
Phone:
Self-employed:
Time on Job:
Time in Profession:
Position / Title:
Co-Borrower
Employer Information:
Name:
Address:
City:
State:
ZIP Code:
Phone:
Self-employed:
Time on Job:
Time in Profession:
Position / Title:

Previous Employment
If employed in current position less than two years or if currently employed
in more than one position, please complete the following:
Borrower
Employer Information:
Name:
Address:
City:
State:
ZIP Code:
Phone:
Self-employed:
Time on Job:
Time in Profession:
Position / Title:
Co-BorrowerFormer
Employer Information:
Name:
Address:
City:
State:
ZIP Code:
Phone:
Self-employed:
Time on Job:
Time in Profession:
Position / Title:

5. Monthly Income and Combined Housing Expense Information
Gross Monthly Income Borrower Co-borrower
Base Employment Income:
Overtime:
Bonuses:
Commissions:
Dividends/Interest:
Describe Other Income:
Notice: Alimony, child support, or separate maintenance need not be revealed if you do not Choose to have it considered for repayment of this loan.
Owner Description Monthly Amount
#1 
#2 
#3 

Combined Monthly
Housing Expense		 Where You
Live Now		 Proposed
Loan
Rent:
First Mortgage (P&I):
Other Financing (P&I):
Hazard Insurance:
Real Estate Taxes:
Mortgage Insurance:
Homeowner Assn. Dues:
Other:

6. Assets
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 spouse, this statement and supporting schedules must be completed about the spouse also.

List assets, including checking and savings accounts below.
Name of Institution:
Asset Type:
Account Number:
Cash or Market Value:
Name of Institution:
Asset Type:
Account Number:
Cash or Market Value:
Name of Institution:
Asset Type:
Account Number:
Cash or Market Value:
Name of Institution:
Asset Type:
Account Number:
Cash or Market Value:
Schedule of Real Estate Owned
Current/Subject:
Property Disposition:
Property Street Address:
Property City:
Property State:
Property ZIP Code:
Present Market Value:
Gross Rental Income:
Insurance, Maint., Misc.:
Current/Subject:
Property Disposition:
Property Street Address:
Property City:
Property State:
Property ZIP Code:
Present Market Value:
Gross Rental Income:
Insurance, Maint., Misc.:
List Any Remaining Properties
Present Market Value:
Gross Rental Income:
Insurance, Maint., Misc.:

7. Declarations
Items Borrower Co-Borrower
a. Are there any outstanding judgments against you?
b. Have you been declared bankrupt within the last seven years?
c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last seven years?
d. Are you a party to a lawsuit?
e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? (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.)
f. Are you presently delinquent or in default on any federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?
g. Are you obligated to pay alimony, child support, or separate maintenance?
h. Is any part of the down payment borrowed?
i. Are you a co-maker or endorser on a note?
j. Are you a U.S. citizen?
k. Are you a permanent resident alien?
l. Do you intend to occupy the property as your primary residence? (If "Yes," complete section 'm' below.)
m. Have you had an ownership interest in a property in the last three years? (If "Yes," complete questions 1 and 2 below.)

1. What type of property did you own?
Borrower Co-borrower
2. How did you hold title to the home?
Borrower Co-borrower
If you answered yes to any questions A through I above, explain in the box below.

8.Information for Government Monitoring Purposes
The following information is requested by the federal government for certain types of loans related to a dwelling 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 Efinity Mortgage may not discriminate on the basis of this information, nor on whether you Choose to furnish it. If you do not want to furnish this information, select the box below.
Borrower
I do not wish to furnish this information  
Ethnicity:
Sex:
Co Borrower
I do not wish to furnish this information 
Ethnicity:
Sex:

 

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Today Rates

4.250%
30-Year Fixed 4.723% APR over 360 Under $417,501
3.375%
15-Year Fixed 3.981% APR over 360 Under $417,501
2.750%
5-Year ARM 3.373% APR over 360 Under $417,501
3.125%
5-Year Jumbo 3.457% APR over 360 Over $417,501

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