Any individual who owns 25% or more of the borrowing entity is required to be a guarantor of the loan. Please list ALL additional owners below or attach organization chart.

Borrower Information

Marital Status

Married Single Divorced

Loan Purpose

Purchase Refinance Cash-out Refinance

Amortization

15 Years 20 Years 25 Years 30 Years

Requested Loan Amount:

Requested Interest Rate %

Requested Term

1 Year 3 Years

Amount of Down Payment

Purchase Contract Expires:

Actual Rents in place ( Annualized):

Actual Expenses( Annualized):

Net Operating Income( Annualized):

Subject Property Address:

Does the property have?

Source of Value Estimate

Appraisal Estimate Sales Price (if Purchase)

Owner Occupied

Yes No

Building Sq. Footage:

Years of Investor Experience

IV. Business Information
Please complete if you are Self-Employed or the Borrower is a Business Entity.

Yrs as Business Owner

Will this business occupy they subject property?

Yes No

Annual Expenses (Exclude depreciation)

Net Operating Income

Self Employed?

Yes No

VI. ANNUAL INCOME AND COMBINED HOUSING EXPENSE INFORMATION

MONTHLY Housing Expenses (for Primary Residence only)

VII. ASSETS AND LIABILITIES

Total Cash Available (Savings and Checking)

VIII. PERSONAL DECLARATIONS
If you answer “Yes” to any questions A through F, please provide a separate explanation.

A. Are there any outstanding judgments against you?

Yes No

B. Have you declared bankruptcy within the last 4 years?

Yes No

C. Have you had property foreclosed upon or given title in lieu thereof in the last 4 years?

Yes No

D. Are you party to a lawsuit?

Yes No

E. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure or judgment in the last 4 years

Yes No

F. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation or loan guarantee?

Yes No

G. Are you obligated to pay alimony, child support or separate maintenance?

Yes No

H. If applicable, do you intend to occupy the property as your primary housing residence?

Yes No

I. Have you been convicted of a felony within the past 10 years?

Yes No

J. Are you a U.S. citizen?

Yes No

K. Are you a permanent resident alien?

Yes No

If you answered no to questions J and K, please provide visa status:

IX. BUSINESS DECLARATIONS
Please select N/A if you are closing as an individual and your business is not going to occupy the subject property.

Neither my business, nor any principal of my business has declared bankruptcy in the last 4 years

True False N/A

Neither my business, nor any principle of my business is a party to any lawsuit.

True False N/A

My business has never defaulted on any Federal debt including SBA loans.

True False N/A

No principle of my business has had a property foreclosed within the past 4 years.

True False N/A

The business has neither been denied a license, certification or ability to conduct business nor been suspended or administratively limited to its ability to conduct business.

True False N/A

Please explain any declaration with “false” response or provide documentation:

X. GENERAL AUTHORIZATION

Verification Authorization

I HEREBY AUTHORIZE LENDER TO VERIFY ANY AND ALL INFORMATION PROVIDED OR REQUESTED WITH THIS APPLICATION, INCLUDING BUT NOT LIMITED TO MY PAST AND PRESENT EMPLOYMENT, EARNING RECORDS, BANK ACCOUNTS, STOCK HOLDINGS AND ANY OTHER ASSET BALANCES NEEDED TO PROCESS MY LOAN APPLICATION

No False Information Verification

I UNDERSTAND THAT FALSE INFORMATION AND STATEMENTS MAY RESULT IN POSSIBLE PROSECUTION UNDER FEDERAL AND STATE LAWS. FURTHER, I UNDERSTAND THAT MY INFORMATION WILL BE SCRUBBED AGAINST THE OFAC, SDN LISTS, EXCLUSIONARY AND OTHER LISTS TO CONFIRM COMPLIANCE WITH THE US PATRIOT ACT, COUNTER-TERRORISM REGULATIONS AND BSA/AML REGULATIONS.

Not An Apporval Understanding

I CERTIFY BY SIGNING BELOW THAT THIS IS NOT AN APPROVAL OR COMMITMENT TO LEND AND THAT I MAY BY DENIED AT ANY TIME DURING THE PROCESS FOR REASONS INCLUDING BUT NOT LIMITED TO CREDIT WORTHINESS SUCH AS; COLLATERAL ISSUES, BUSINESS PRACTICES OR UNSTABLE GOVERNMENT/POLITICAL CLIMATE WITHIN A COUNTRY.

Applicant Authorization

I AUTHORIZE LENDER TO MAKE ALL INQUIRES NECESSARY THAT VERIFY THE ACCURACY OF THE STATEMENTS MADE HEREIN AND TO DETERMINE MY CREDITWORTHINESS.

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