Uni"form Residential
This application
is designed to be completed
applicable.
Co-Borrower
(inciuding
the Borrower's
information
by the applicant(s)
Loan Ae.p_li_ca_t_io_n
with the Lender's assistance,
must also be provided (and the appropriate
spouse) wiil be used as a basis for loan qualification
or
Applicants
box checked) when
0
_
should complete this form as "Borrowe('
0
or "Co-Borrower",
as
the inceme or assets of a person other than the "Borrower"
the income or assets of the Borrower's
spouse wiil not be used as a basis for loan
qualification, but his or her liabilities must be considered because the Borrower resides in a community property state, the security property is located in a community
property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.
Mortgage
Applied for:
o
0
OVA
FHA
r. TYPE OF MORTGAGE AND- TERMS, OF LOAN
Other (explain):
Lender Case Number
jAgency Case Number
Amount
$
Legal Description
Purpose of Loan
Complete
Year Lot
Acquired
of Subject Property (attach description
oIYJ
Purchase
Refinance
0
0
this line if construction
if necessary)
Construction
Construction-Permanent
0
IYJPrimary
or construction-permanent
IOriginal Cost
0
Secondary Residence
I(a) Present Value of Lot
(b) Cost of Improvements
$
IOriginal Cost
jAmount
$
$
Existing Liens
Purpose of Refinance
0
to be made
Total (a+b)
Describe Improvements
Cost:
Title wiil be h~ld in what Name(s)
Source of Down Payment, Settlement
Investment
$
Complete this line if this is a refinance loan.
Year
Acquired
0
loan.
IAmount Existing Liens
$
Property will be:
Residence
Other (explain):
Financing
made
$
Manner in which Title will be held
Charges andlor Subordinate
0
Estate will be held in:
oIYJ
Fee Simpie
Leasehold
(explain)
(show expiration date)
c====
Borrower's
In. BORROWER
Bo~awer
Name (include Jr. or Sr. if applicable)
Present Address
Co-Borrower's
(street, city, state, ZiP)
Co-Borrower
Name (include Jr. or Sr. if applicable)
No. Yrs.1 Present Address (street, city, state, ZIP)
Mailing Address, if different from Present Address
If residing
INFORMA nON
oo
No. Yrs
Mailing Address, if different from Present Address
at present address for less than two years, complete the following:
lV. EMPLOYMENT
fNFORMA
Co-Borrower
nON
Yrs. Name
oncity,
thisBorrower
&
Address
of Employer
I Address
job
PositionfTitlefType
ofRent
Business
work/profession
Self
Employed
Former
(street,
City,
state, ZIP)
Yrs. of
employed
in this
Self
Dawn
Employed
Rent
___
___
No
No. Yrs
Yrs. line
.OOwn
(street,
state,
ZIP)
Former Address
o0
IBusiness Phone
Phone (incl.
(incl. area
area code)
code)
IBusiness
If employed
in current position for less than two years or if currently employed in more than one position,
$
Name
(from-to)
& AddressPositionfTitterrype
of Employer
Positionrritlerrype
Monthly
Income
(from-to)
Name & Address ofDates
Employer
Self
Self Employed
Employedof Business Monthly Income
o
$
complete
the following:
rUSineSS
Phone (incl.
(incl. area
area code)
code)
I Business Phone
IBusiness
IBusiness Phone
Phone (incl.
(incl. area
area code)
code)
Freddie
Calyx
Mac Form 65
Form
1003
01/04
Loanapp1,frm
Borrower
01/04
Page
1 of 4
Co·8orrower
Fannie Mae Form 1003
01104
Housing
Expense
V. MONTHLY
Combined
Monthly
Rent
Co"Borrower
Borrower
$S Total
$$STotal
$
Proposed
Present
l
INCOME
AND
COMBINED
HOUSING
EXPENS"E INFORMA
Hazard
Real
Estate
Insurance
Taxes(P&I)
Homeowner
Assn.
Dues
Other
Financing
Mortgage
Insurance
First
Other:Mortgage (P&I)
nON
1
Total
11
Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.
Describe Other Income
~::::_
Notice:
Alimony, child support, or separate maintenance income need not be revealed if the
Borrower (8) or Co-Borrower (C) does not choose to have it considered for repaying this loan.
-::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_-::::::::_ -::::::::_-::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_-::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_-::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::::::_ -::::=_ -::::=_
l
\'I. ASSETS
-=1' -,~.~
I
ANQ LlA.BllITlES
This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-borrowers iltheir assets and liabilities are sufficiently
joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower
section was completed about a spouse, this Statement and supporting schedules must be completed about that spouse also.
-- --- ----.--=>
..
Net Worth
Acct
no.
&
Monthly
Name
stock
pledges,
and
address
etc. and
Use
of account
Company
continuation
sheet,
if necessary.
1$
$$ Name
Cash
or
Market
Value
Name
and
address
Company
$ Liabilities
and
and
Pledged
address
$$ Payment
Assets.
of of
the
creditor's
name,
address
number
for
aU
outstanding
$$List
PaymenUMonlhs
debts,
induding
and
address
1$
loans.
ofCompany
revolving
Company
PaymentIMonths
PaymenUMonths
charge
accounts.
real
estate
loans,
alimony,
child
support,
ASSETS
Name
and
address
of
Company
I~
Acct automobile
no.Balance
Net worth of business(es)
Total Liabilities
b. $
Months Leftowned
to Pay
Unpaid
1$ owned
Payments Owed
number
to: financial
& description)
satisfied
upon
sale
of
real
estate
or upon refinancing
of the subject property.
(attach
statement)
scription
ct
no.
et
el.
ct.
no.
Alimony/Child
Support/Separate
Maintenance
sh schedule
deposit toward
held
S
Name
andLiquid
address
of(make
Company
Automobiles
owned
andRelated
year)
m
of real purchase
estate
owned)
Real
estateby:owned
(enter market value Subtotal
$
Assets
Job
Expense (child care, union dues, etc.)
Face amount: $
LIABILITIES
her Assets (itemize)
Total Monthly
I
Completed
Indicate
by
(*)
those
IYJJointly
liabilities
0 Not Jointly
which will be
Acct no.
Acct
Acet no.
Payments
Freddie Mac Form 65
01/04
Calyx Form 1003 Loanapp2.frm 01104
Borrower
Page 2 of 4
Co·Borrower
Fannie Mae Form 1003
01/04
8_8financing
___
8. ___________________
ordinate
btract
j,abond,
k,
I &__or0• loan
from
i)paid by Seller
gation,
fromlto
Borrower
owe~s
Closing
costs
er
Credits(explain)
ent
on
borrowed?
note?
,er
MIP,
Funding
Feeguarantee?
[
VI. ASSETS
of Real Estate Owned (if additional properties are owned, use continuation
Present
Amount
Net
Market
Taxes
Value
& Misc.
Gross
$ Payments
$of Income
Rental
Income
Maintenance,
Type of
$Rental
Mortgage
Mortgages
Property Address
(enter S &if Liens
sold, PS If pending sale Property
List any additional
Alternate
names under which
credit
has previously
Name
(cant.!
AND UABtUTtE5
Schedule
been received
sheet)
and Indicate
Insurance
appropriate
creditor
name(s)
and account
Creditor Name
0D
00D
D
number(s):
Account Number
obligation,
bond,or loanguarantee.If "Yes,·providedetails,includingdate,nameand
sheet
for last
explanation.
inplease
the
7
years?
foreclosure.
transfer
of
title
inthe
lieu
of
foredosure,
or
judgment?
Yes
Co-Borrower
If you answer
to any$ questions
through
use
continuation
b.
c.
e.
(2)
Have
How
you
did
been
directly
had
you
property
declared
hold
or
indirectly
title
foreclosed
bankrupt
to
been
home-solely
within
upon
obligated
or
the
given
by
past
on
yourself
any
title
7 person
years?
loan
or mongage,financial
deed
(S),
which
inorlieu
resulted
loans,educational
lto
oans,manufactured
(mobile)homeloans,any
If
"Yes,there
completequestion
any
outstanding
m
judgments
below.
against
you?
VIII.
DECLARATIONS
f.a.
you
presently
delinquent
or
in
default
on
any
Federal
debt
anythereof
otherin
d. I,Are
a
party
aAND
lawsuit?
VII. No
DErAILS
OF "yes"
H(ANSACTION
OC. aACKNOWLEDGMENT
AGREEMENT
(1)
What
of
property
did
you
own-principal
residence
(PR),
Borrower
with
your
spouse
(SP),
or
jointly
with
another
(O)?
I
I
k. jointly
Are
you
atype
permanent
resident
alien?
Yes
addressof
VA casenumber,ifany,
andreasonsforthe
action.)
I. Do you Intend
toNo
occupy the property as your primary residence?
If "Yes,·
details
as pay
described
in the
preceding
question.
j.g. (Thiswouldincludesuchloansas
Are
yougive
aLender,FHAor
U.
S. citizen?
homemortgageloans,
SBA
loans,hOmeimprovement
Are
second
you
obligated
home
(SH),
to
or
alimony,
Invesiment
child
property
support,
(IP)?
or
separate
maintenance?
m. Have you had an ownership interest in a property in the last three years?
I
Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servlcers, 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 this information contained in this 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 app6cation. and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions
of Title 18, United States Code, See. 1001, et seq.; (2) the loan requested pursuant to this application (the -Loan~) will be secured by a mortgage or deed of trust on the property
described herein; (3) the property will not be used for any illegal or prohibited purpose or use; (4) aDstatements made in this 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 reverify any information contained in the
application from any source named in this appficc>tion,and Lender, its successors or assigns may retain the original and/or an electronic record of this application, even if the Loan
is not approved; (7) the Lender 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 andlor supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the
Loan; (8) In the event that 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, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this 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 this appncation containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing
m ori inal written si nature.
Borrowe~s
Signature
Date
Co-Borrowe~s
Signature
Date
x
x
The following information is requested by the Federal Governmentforcertain
types of loans related toa dwelling in order to monitor the lende~s compliance with equal credit
opportunity ,fair housing and home mortgage disclosure laws. You are notrequired tofumish this information. butare encouraged to doso. The law proVides that a Lendermay
discriminate neither on the basis ofthis information, nor on whether you choose to furnish it. If you furnish the information, please provide both ethnicityand race. Forrace, you
may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this iender is required to note the information on the basis of visual
observation or surname. If you do not wish tofurnish the information, please check the box below. (Lendermustreviewthe
above material to assure that the disclosures satisfy
ali requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)
BORROWER
Ethnlclty:
0
I do not wish to furnish this information
D D
D
oo
oo
CO· BORROWER
D
I do not wish to furnish this information
(P) (302)Address
934-8787
African
African
Native
American
American
Race:
Interviewe~s
Name
(print
or
type)Hawaiian
Other of
Pacific
Islander Employer
PO Box
American
1940
Indian
orAlaska
Sex:
American
Hispanic
Hispanic
or
or
Indian
Latino
Latino
or
DWhite
Name and
Interviewe(s
Black
Female
Female
or OMaie
Asian
White
DDate
Native
or
(F)
(302) 9348395
19966
Millsboro.
DEMortgage
Not
Male
Hispanic
Ethnicity:
or Latino
Latino
All
American
Interviewer's
Interviewer's Signature
Phone Number (incl. area code)
Freddie Mac Form 65 01104
Calyx Form 1003 loanapp3.frm
Ltd
Fannie Mae Form 1003
01/04
Page 3 of 4
01/04
C
Continuatron Sheet/Residential Loan Appfication
Use this continuation sheet if you need Borrower:
more space to complete the Residential
Agency Case Number:
Loan Application. Mark B for Borrower or Co-Borrower:
C for Co~8orrower.
Lender Case Number:
1M/a fully understand that it is 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 Title 18, United States Code, Section 1001, st seq.
Borrower's Signature
Date
x
Freddie Mac Form 65
01/04
Calyx Form 1003 Lnap4cnt.frm
ICo-Borrower'sSignature
Date
x
Fannie Mae Form 1003
01/04
Page 4 of 4
01/04