Efinity Mortgage - Complete Application - Home Mortgage, Home Equity Loan, Bad Credit Mortgage, Mortgage Refinance | Equipping and Enabling People to Live Their Life's Passions

1. Basic Loan Information

Mortgage Applied for

Loan Amount

Loan Officer

No. of Months

Amortization Type

2. Property Information and Purpose of Loan

Subject Property Address (if known)

City

State

ZIP Code

Country

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 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)

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

Complete Application

1. Basic Loan Information

2. Property Information and Purpose of Loan

Only Complete the three items below if this is a Construction, Construction-Permanent Loan

(Purpose of Loan Section 2 above)

Only Complete the two items below if this is a Refinance Loan

(Purpose of Loan Section 2 above)

3. Borrower Information

Present Address

Mailing Address

Former Address

(Complete the following if at present address less than two years)

3b. Co-Borrower Information

Present Address

Mailing Address

Former Address

(Complete the following if at present address less than two years)

4. Employment Information

Current Employer

Borrower

Co-Borrower

Previous Employment

Borrower

Co-BorrowerFormer

5. Monthly Income and Combined Housing Expense Information

Gross Monthly Income

Borrower

Co-borrower

Describe Other Income

Owner

Description

Monthly Amount

Combined MonthlyHousing Expense

Where You Live Now

Proposed Loan

6. Assets

List assets, including checking and savings accounts below.

Schedule of Real Estate Owned

List Any Remaining Properties

7. Declarations

Items

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

Borrower

Co Borrower

Combined Monthly
Housing Expense