Credit Application

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.

Purchase Agreement with Seller MUST be attached.


A down payment greater than 5% increases the likelihood of approval and may result in a lower interest rate.


Tribe name if home is to be placed on a Reservation, or the mortgage holder:


APPLICANT

Last, First, Middle

Applicant’s Residence

(3 Years Residence Required, attach supplement if needed)
(if different from physical address)
# years/# months
(if current address is less than 3 years)

CO-APPLICANT

Last, First, Middle

Co-Applicant’s Residence

(3 Years Residence Required, attach supplement if needed)
(if different from physical address)
# years/# months
(if current address is less than 3 years)

APPLICANT’S EMPLOYMENT HISTORY   Minimum 3 Years. Attach supplement if needed.




CO-APPLICANT’S EMPLOYMENT HISTORY   Minimum 3 Years.




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.


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.



ASSET AND CREDIT INFORMATION




APPLICANT – Debts/Obligations


CO-APPLICANT – Debts/Obligations

Heading

OTHER EXTRAORDINARY RECURRING EXPENSES


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






The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the ender’s compliance with the 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 a lender may discriminate neither on the basis of this information nor on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race you may check more than one designation. If you do not furnish ethnicity, race or sex, under Federal regulations this lender is required to note the information on the basis of visual observation or surname, If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.)