THIS APPLICATION MUST BE COMPLETED AND SIGNED BY THE APPLICANT S ONLY

Transcription

1 THIS APPLICATION MUST BE COMPLETED AND SIGNED BY THE APPLICANT S ONLY APPLICANT CREDIT INFORMATION: If this is an INDIVIDUAL application, complete section A. If this is a JOINT application, complete section A&B. NOTE: If married, the spouse is not required to be the joint applicant. Please advise whether credit references and/or credit history should be investigated under another name. It is a crime to intentionally falsify information on this application. v. - - If this is a Pur hase, o plete the follo i g: Seller/Realtor Na e: Solitaire Homes Purchase i for atio must be attached Property will be: P i a Reside e Se o dar Reside e I est e t/re tal Loa T pe: Ho e o l La d a d Ho e La d o l Street Address where home will be located, i ludi g site #: Bu -For Ho e is ei g: Pur hased Refi a ed Cit : State: )ip: Cou t : If La d a d Ho e, La d is ei g: Pur hased Refi a ed O ed Free a d Clear Whose la d is it? Estimated La d Value $ Pur hase Pri e/pa off $ Date a ui ed: Ho e ust e pla ed o the property des ri ed i this se tio If Ho e O l, Site Place e t is: O ed propert ith o lie Leased Private Property Fa il La d - No Rent Co u it /Park Reser atio O ed P ope t La d Co t a t/mo tgage T ust Deed If Ho e O l and Land is Leased: Na e of Co u it /Park/La d O er/mortgage Holder: Pho e Nu er: Mo thl Site Pa e t: Is the site re t s heduled to i rease o er the e t three ears? If so, please e plai. Proposed Down Payment: $ Source of Down Payment: Sa i gs Che ki g Cash o Ha d Loa Gift if gift, fro ho : Other E plai I ish to use la d as do pa e t A i i u of 5% is e ui ed. A do pa e t g eate tha 5% i eases the likelihood of app o al a d a esult i a lo e i te est ate. ADDRESS (for Loan Notices and Documents) APPLICANT CO-APPLICANT FULL NAME - Last, First, Middle (A) APPLICANT FULL NAME - Last, First, Middle (B) CO-APPLICANT Bi th Date /dd/ : So ial Se u it #: Bi th Date /dd/ : So ial Se u it #: Ma ital Status: Ma ied U a ied Sepa ated Ma ital Status: Ma ied U a ied Sepa ated Appli a t Depe de ts ot i ludi g self or those listed Co-Borro er : Nu er of Depe de ts: Depe de t Age s : APPLICANT'S RESIDENCE Cu e t St eet Add ess 3 Years Residence Required, attach supplement if needed Appli a t Depe de ts ot i ludi g self or those listed Borro er : Nu er of Depe de ts: Depe de t Age s : CO-APPLICANT'S RESIDENCE Cu e t St eet Add ess (3 Years Residence Required, attach supplement if needed Cit, State, )ip: Cou t : Cit, State, )ip: Cou t : Maili g Add ess if diffe e t f o ph si al Cit, State, )ip: Maili g Add ess if diffe e t f o ph si al Cit, State, )ip: Ho e Pho e: ( ) - Na e of Previous Mo tgage Holde o La dlo d: Telepho e u e : Cell Pho e: ( ) - Ho e Pho e: ( ) - Cell Pho e: ( ) - Ho lo g at p ese t add ess? Ho eo e * Othe * Mo. Mtg/Re t: Ho lo g at p ese t add ess? Ho eo e * Othe * Mo. Mtg/Re t: Y s Mo Re te Li e ith pa e t Y s Mo Re te Li e ith pa e t Na e of Previous Mo tgage Holde o La dlo d: Telepho e u e : * What are the pla s for your e isti g ho e? If checked other above, e plai : * What are the pla s for your e isti g ho e? If checked other above, e plai : P e ious add ess if u e t add ess is less tha ea s P e ious add ess if u e t add ess is less tha ea s Cit, State, )ip: Ho lo g? Cit, State, )ip: Ho lo g? Na e of Mortgage Holder or La dlord: Telepho e u er: Na e of ea est Relati e NOT li i g ith ou: Relatio ship: Pho e: Na e of Mortgage Holder or La dlord: Telepho e u er: Na e of ea est Relati e NOT li i g ith ou: Relatio ship: Pho e: Page 1 of 5

2 APPLICANT'S EMPLOYMENT HISTORY (Minimum Three Years, attach supplement if needed) -Cu e t E plo e : Date Sta ted: Self Employed: E ail add ess: List ou ase pa ate e ludi g o issio, o uses, a d o e ti e: How are you paid? sele t one elow Hourl rate: $ # of hours: Weekl Salar :$ BiWeekl Salar : $ Mo thl Salar : $ Do ou re ei e o uses? Ho ofte? Ho u h i o uses o e the last o ths $ Do ou re ei e o issio? Do ou o siste tl re ei e o erti e? -Se o d o P e ious E plo e : Ho ofte? Ho u h i o issio o e the last o ths $ Ho ofte? Ho u h i o e ti e o e the last o ths $ Date Sta ted: Date Left: Self E plo o ed: I o e: -P e ious E plo e : Date Sta ted: Date Left: I o e: Please provide an e planation for an job gaps greater than 30 da s. -Cu e t E plo e : CO-APPLICANT'S EMPLOYMENT HISTORY (Minimum Three Years) Date Sta ted: E ail add ess: List ou ase pa ate e ludi g o issio, o uses, a d o e ti e: How are you paid? sele t one elow Hourl rate: $ # of hours: Weekl Salar :$ BiWeekl Salar : $ Mo thl Salar : $ Do ou e ei e o uses? Ho ofte? Ho u h i o uses o e the last o ths $ Do ou e ei e o issio? Ho ofte? Ho u h i o issio o e the last o ths $ Do ou o siste tl e ei e o e ti e? Ho ofte? Ho u h i o e ti e o e the last o ths $ - Se o d o P e ious E plo e : Date Sta ted: Date Left: I o e: -P e ious E plo e : Date Sta ted: I o e: Date Left: Please p o ide a e pla atio fo a jo gaps g eate tha da s. APPLICANT'S OTHER INCOME CO-APPLICANT'S OTHER INCOME Income from SSI, retirement, disability, alimony, child support or separate maintenance agreement need not be disclosed if you do not wish to have it considered as a basis for undertaking or repaying this debt. Child Suppo t Mo thl A ou t Ages of Child e Child Suppo t Mo thl A ou t Ages of Child e Ali o o Sepa ate Mai te a e Du atio Ali o o Sepa ate Mai te a e Du atio Othe Sou e: Ho Lo g: Mo thl A t: Othe Sou e: Ho Lo g: Mo thl A t: Page 2 of 5

3 (A) APPLICANT - Asset and Credit Information Ba k Na e: Cit, St: Accou t t pe: Bala ce: $ Retire e t/4 K with: Cit, St: Bala ce: $ Other Asset: (B) CO-APPLICANT - Asset and Credit Information Ba k Na e: Cit, St: Accou t t pe: Bala ce: $ Retire e t/4 K with: Cit, St: Bala ce: $ Other Asset: Are ou a co- aker or guara tor o a ote? If Yes, for who? Creditor: Mo thl Pa e t: $ Ali o /Mai te a ce: $ E piratio Date: Ali o /Mai te a ce: $ E piratio Date: Gar ish e t: $ Gar ish e t: $ Child Support: $ List Ages of Childre : ( A) APPLI CANT - Debts / Obligations ( B) CO-APPLI CANT - Debts / Obligations List other items that have a significant impact to your budget Child Support: $ List Ages of Childre : Other Extraordinary Recurring Expenses If you drive more than 20 miles each way to work every day, hat is ou o thl fuel a d ai te a e e pe se othe tha ou a pa e t? Are ou a co- aker or guara tor o a ote? If Yes, for who? Child Care Expense: $ Other: $ Other: $ Creditor: Mo thl Pa e t: $ Estimated Monthly Amount List any Government Assistance Payments to you that help offset household expenses, such as WIC, TANF, or SNAP. You are not required to disclose these amounts if you do not wish to have them considered as a basis in analyzing your ability to undetake or repay this debt. $ $ QUESTIONS Appli a t Co-Appli a t. A e ou a U.S. Citize?. A e ou a pe a e t eside t alie?. Ha e ou de la ed a k upt ithi the last 5 ea s? If es, he did ou file? Date: Date: Page 3 of 5

4 De ographi I for atio - this se tio asks a out ou eth i it, se, a d a e The pu pose of olle ti g this i fo atio is to help e su e that all appli a ts a e t eated fai l a d that the housi g eeds of o u ities a d eigh o hoods a e ei g fulfilled. Fo eside tial o tgage le di g, Fede al la e ui es that e ask appli a ts fo thei de og aphi i fo atio eth i it, a e, a d se i o de to o ito ou o plia e ith e ual edit oppo tu it, fai housi g, a d ho e o tgage dis losu e la s. You a e ot e ui ed to p o ide this i fo atio, ut a e e ou aged to do so. The la p o ides that e a ot dis i i ate o the asis of this i fo atio, o o hethe ou hoose to p o ide it. Ho e e, if ou hoose ot to p o ide the i fo atio a d ou ha e ade this appli atio i pe so, Fede al egulatio s e ui e us to ote ou eth i it, a e, a d se o the asis of isual o se atio o su a e. The la also p o ides that e a ot dis i i ate o the asis of age o a ital status i fo atio ou p o ide i this appli atio. I stru tio s: You a sele t o e o o e desig atio s fo "Eth i it " a d o e o o e desig atio s fo "Ra e." If ou do ot ish to p o ide so e o all of this i fo atio, sele t the appli a le he k o. Ethnicity: Che k o e or ore Hispa i or Lati o Me i a Puerto Ri a Cu a Other Hispa i or Lati o - E ter origi : Exa ples: Arge ti ia, Colo ia, Do i i a, Ni aragua, Salvadora, Spa iard, et. Not Hispa i o Lati o I do ot ish to pro ide this i for atio Ra e: Che k o e or ore (A) APPLICANT A e i a I dia o Alaska Nati e - E ter a e of e rolled o pri ipal tri e: Asia Asia I dia Chi ese Filipi o Japa ese Korea Viet a ese Other Asia - E ter ra e: Exa ples: H o g, Laotia, Thai, Pakista i, Ca odia, et. Bla k o Af i a A e i a Nati e Ha aiia o Othe Pa ifi Isla de Nati e Ha aiia Sa oa Gua a ia or Cha orro Other Pa ifi Isla der - E ter ra e: Exa ples: Fija, To ga, et. White Se : Fe ale Male Ethnicity: Che k o e or ore (B) CO-APPLICANT Hispa i or Lati o Me i a Puerto Ri a Cu a Other Hispa i or Lati o - E ter origi : Exa ples: Arge ti ia, Colo ia, Do i i a, Ni aragua, Salvadora, Spa iard, et. Not Hispa i o Lati o Ra e: Che k o e or ore A e i a I dia o Alaska Nati e - E ter a e of e rolled o pri ipal tri e: Asia Asia I dia Chi ese Filipi o Japa ese Korea Viet a ese Other Asia - E ter ra e: Exa ples: H o g, Laotia, Thai, Pakista i, Ca odia, et. Bla k o Af i a A e i a Nati e Ha aiia o Othe Pa ifi Isla de Nati e Ha aiia Sa oa Gua a ia or Cha orro Other Pa ifi Isla der - E ter ra e: Exa ples: Fija, To ga, et. White Se : Fe ale Male Page 4 of 5

5 Additional Disclosures California: An applicant, if married, may apply for a separate account. It is illegal to discriminate in the provision of availability of financial assistance for the purpose of the purchase, construction, rehabilitation of any one to four unit family residences occupied by the owner and for the purpose of the house improvement of any one to four unit family residence by considering: 1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or 2. Race, color, religion, sex, marital status, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance. If you have questions about your rights, or if you wish to file a complaint, contact the Lender or the California Department of Corporations at: 320 West 4th St, Ste 750, Los Angeles, CA 90013, or 1390 Market St, Ste 810 San Francisco, CA New York and Vermont: In connection with your application for credit, a consumer report may be requested in connection with such application. Upon request, you will be informed whether a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. If your application is granted, subsequent consumer reports may be requested or utilized in connection with any updates, renewal or extension of the credit for which application was made or for any other legitimate purpose associated with the account. Ohio: The Ohio laws against discrimination requires that all creditors make credit equally available to all creditworthy customers and that credit reporting maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Wisconsin: No provision of a marital property agreement, a unilateral statement under Wisc. Stat or a court decree under Wisc. Stat adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree of has actual knowledge of the adverse provision when the obligation to the creditor is incurred. NON-APPLICANT SPOUSE WAIVER OF NOTICE: I agree to waive notice of any extension of credit in connection with this application: Non-applicant Spouse: Additional disclosures may be required for the following states: Texas, New York, Ohio, Oregon. These documents are separate from this application and must be submitted with the application for the lender to process your request. Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of the information contained in the application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provision of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to the application (the "Loan") will be secured by a mortgage, deed of trust or other instrument on the property described herein; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in the application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated herein; (6) any owner or servicer of the Loan may verify or re-verify any information contained in the application from any source named in the application, and Lender, its successors or assigns may retain the original and/or electronic record of the application, even if the Loan in not approved; (7) the Lenders and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in the application if any of the material facts that I have represented herein should change prior to the closing of the Loan; (8) in the event my payments on the Loan become delinquent, the owner or servicer of the Loan may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and / or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors, or assigns has made any representation or warranty, expressed or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of the application as an "electronic record" containing my "electronic signature" as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of the application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of the application were delivered containing my original signature. I give permission to Lender to investigate my credit and employment history and authorize my employer, landlord, depository institution, and credit company to release information about me. I acknowledge that my dealer is neither a broker nor a credit grantor. This application may be considered withdrawn if I do not inquire about its status within 30 days of the date of this notice. Have you frozen your credit report? If so, please be sure to contact all affected credit reporting agencies to lift the freeze BEFORE submitting your application Date Appli a t Signature Date Co-Appli a t Signature Date ADMIN USE ONLY Page 5 of 5