Mortgage Application

Getting Started

Amount Requested	Purpose of Loan
$
How did you discover Baylands Family Credit Union?
Search engine (Google, Yahoo etc) Advertisement Recommended by friend or family Other
Type of Credit Requested
Individual Credit: Relying solely on my income or assets Individual Credit: Relying on my income or assets as well as income or assets from other sources Joint Credit: We intend to apply for joint credit

Primary Applicant

Applicant Personal Information

First Name	Last Name	M.I.	Social Security #
Marital Status
Married Separated Unmarried
(Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered Reciprocal Beneficiary Relationship)
Birthdate (mm/dd/yyyy)	Home Phone	Email Address
Present Address	City	State	ZIP Code
Years at this address	Rent/Mortgage Payment
	$
Own Rent With Relatives Other
Number of Dependents	List Ages (separated by a comma, example: 8, 10, 14)
Landlord's Name	Landlord's Phone

Applicant Previous Addresses (Back 2 years - Street, City, State, ZIP)

Address 1	Years?
Address 2	Years?

Applicant Employment/Income

Employer	Position	Work Phone
Employer's Address	City	State	ZIP Code
Gross Monthly Income	Start Date (mm/dd/yyyy)
$
Other Income per Month	Source
$
NOTE: Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.
If employed in current position less than two years, complete the following
Previous Employer	Previous Employer's Address
Start Date (mm/dd/yyyy)	End Date (mm/dd/yyyy)

Applicant Assets

Name and Address of Financial Institution(s)		Account Number

Applicant Liabilities

Type of Loan	Financed By	Balanced Owed	Monthly Payment

These Questions Apply to both Applicant and Co-Applicant

	Applicant	Co-Applicant
About you
Are you a U.S. citizen?	Yes No
Are you a permanent resident alien?	Yes No
Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?	Yes No
About this Property and Your Money for this Loan
Will you occupy the property as your primary residence?	Yes No
If YES, have you had an ownership interest in another property in the last three years?	Yes No
(1) What type of property did you own: primary residence (PR), FHA secondary residence (SR), second home (SH), or investment property (IP)?	Choose One PR SR SH IP
(2) How did you hold title to the property: by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?	Choose One S SP O
If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?	Yes No
Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as seller or realtor, that you have not disclosed on this loan application?	Yes No
If YES, what is the amount of this money?
Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?	Yes No
Will this property be subject to a lien that could take priority over the final mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)?	Yes No
About Your Finances
Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?	Yes No
Are there any outstanding judgments against you?	Yes No
Are you currently delinquent or in default on a federal debt?	Yes No
Are you party to a lawsuit in which you potentially have any personal financial liability?	Yes No
Have you conveyed title to any property in lieu of foreclosure in the past 7 years?	Yes No
Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?	Yes No
Have you had property foreclosed upon in the last 7 years?	Yes No
Have you declared bankruptcy within the past 7 years?	Yes No
If YES, identify the type(s) of bankruptcy:	Choose One Chapter 7 Chapter 11 Chapter 12 Chapter 13
Comment as neccessary based on question responses

Finishing Up

Consent-to-Receive-Electronic-Documentation
YES - I/We have reviewed the Electronic Documentation disclosure, and agree to receive additional disclosures and information pertaining to this credit application via email. NO - I/We decline to receive documents via electronic delivery.
Best Way to Contact (enter phone number or email address)
Comments and/or Event Code (if applicable)

Demographic Information of Borrower

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, If you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

Demographic Information - Applicant

Ethnicity
Hispanic or Latino
Not Hispanic or Latino
I do not wish to furnish this information
Race
American Indian or Alaska Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White
I do not wish to furnish this information
Sex
Male Female I do not wish to furnish this information

User Agreement

Everything that I have stated in this application is correct to the best of my knowledge. The Credit Union is authorized to check my credit, employment history, obtain a credit report and to answer questions about their credit experience with me. I understand that it may be a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of the United States Criminal Code.

I have read and accept the terms