What To Expect On Mortgage Applications

What To Expect On Mortgage Applications

Filling out a mortgage application is one of the first steps toward buying a home. This form has many names like “Fannie Mae Form No. 1003” or “Uniform Residential Loan Application” and it helps the lenders determine if you are a good loan candidate, and if so, how much you can afford to borrow from them. Oftentimes this form is filled out before the home search has started in order to get pre-approved, making the home purchase process easier once the right home is found. Other people will fill out this form after they have discovered their dream home and are applying for a loan.

For first-time homebuyers especially, this form can be a little bit intimidating, but your lender will work alongside you and answer any questions you have while you are completing your application. This is a simple guide for what you can expect to provide on a standard mortgage application form.

Type of Mortgage and Loan Terms

With your lender’s help, you will need to list the loan type you want, whether that be a conventional, VA, FHA, or USDA loan, the loan amount, and length of the loan term, interest rate, among other loan terms and details.

Property Information and Loan Purpose

Property details like the year it was built, the address, the legal description, number of units, etc. will all need to be provided as well. You will also need to include your reasons for applying for the loan. Is it for purchasing the property, or refinancing? Or is it a construction loan, or something else entirely? Additional details are required for construction loans and refinances. You also have to list the source of your down payment and the names the title will be in.

Personal Information

You (plus co-borrower if applicable) must provide your name, address (clarifying renting or owning), previous address, phone number, Social Security number, birth date, marital status, years in school, and number of dependents. This information is used to pull your credit, checking your credit history and score.

Employment Information

Employment details also need to be listed out including, name, address, and contact information of your employer. Also included will be your job title/position, number of years in that position, number of years in that field, and the type of business. If you have had that particular job for less than 2 years you will have to provide the same information from your previous job as well. The lender will call your employer in order to verify this information. If you happen to be self-employed, two years of business and personal tax returns will be required as well as current financial statements.

Income and Expenses

You have to include information about your gross income including base employment income, commissions, bonuses, overtime, interest, dividends, any rental income, and your combined housing expenses each month. These housing expenses can include current mortgage payment or rent, insurance, taxes, HOA fees, and anything else housing related.

Liabilities and Assets

You will also need to list what you own (assets) as well as what you owe (liabilities). Assets can include anything from bank accounts, real estate, investments, cars, and businesses you own. Names of the bank, account numbers, and market values for each of these must be listed. Liabilities can include outstanding credit card balances, car loans, boat loans, student loans, child support, and alimony. Account numbers, monthly payments, time remaining to make payments, and total unpaid balance all need to be provided as well.

All of this allows the lender to thoroughly analyze your debts, so they can figure out the loan amount you can afford. Lenders will also look to see how much cash you have to determine if you have enough for a down payment.

Transaction Details

The loan details will be written out by the lender, which includes the purchase price, closing cost estimates, prepaid item estimates, the loan amount, and any other details on your application.

Declarations

There will also be a list of questions you will have to answer Yes or No to about any recent bankruptcies, outstanding judgements against you, foreclosures, and lawsuits. Any Yes answers will require further explanation.

Final Information and Signatures

The application is signed in two different places. At the beginning you (and co-borrower if applicable) have to acknowledge that you understand the listed terms. There is also a check box to show whether or not the assets and income of the co-borrower should be used when determining the details of the loan. Then you (and your co-borrower if applicable) will sign the bottom of the application to acknowledge that the information you have provided is true.

At the very end of the application you will be asked about your ethnicity, race, and gender, but this section is optional and you do not have to provide this information if you do not wish to.

Published
Categorized as Mortgage

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