Secure Refinance Application (651) 552-3681

Borrower Basic Information 

 * = Required Information

Is there a co-borrower? No   Yes  - If yes, co-borrower name 
If yes, co-borrower information can be entered on the next page
but include their assets (checking/savings) on this page.

 

Your FULL Name (First, MI, Last) *
Email address *
Best Phone # *    Home or Cell
2nd best phone # 
  Home or Cell
* Work Phone #  (REQUIRED for verification of employment)
Current Address *  
  City  
  State   Zip  
How long have you lived here  years  months
Do you currently
Old Address
(if at current less than 2 years)
Address 
 
  City  
  State  Zip
Did you
  How long did you live there  years  months
Date of Birth (format mo/da/year)  Required
Social Security Number  Required
Credit
Estimated Score
   Ever File Bankruptcy? 
   If Yes, How long discharged? Years
  Ever have a foreclosure
  If yes, how long ago years
Marital Status
Years of Schooling
Any dependents?   No  Yes.
   If yes, how many? . Ages 
Are you a Military Vet?
   

Borrower Employment

 
Employer
Address  
  City  State  Zip 
Position/Title with Company
Time with Current Employer  Years  Months
How long in this line of work? Years
Are you self employed?
Former Employer (if less than 2 years with current employer)
Employer 

Address 
 City State Zip
You worked there from when to when mo /yr until mo / yr
Old Income , per 
Former Position/Title 
   

Contacting You

We usually attempt to contact you between 10:00 AM & 6:00 PM Monday - Friday. 
If we are unable to contact you during this time frame, it could delay your application.
Daytime Contact  at 
   

Basic New Loan Information

 
Purpose of loan
Type of Loan (Fixed, ARM, FHA, etc) 
Amortization Term:  10 yr - 30 yr available
Estimate Loan Amount Needed $
Property will be our
   

Refinancing?

Answer the following additional questions:
Your Current Monthly Payment is: $ 
  Does this include escrows? YES   NO
Your Current Interest Rate? %. Current Mortgage Company Name? 
Do you escrow for taxes & Insurance? YES NO
Who owns your mortgage?  Check Fannie Mae   Check Freddie Mac
Current Escrows: Property Taxes $. Homeowners Insurance $ (if known)
About this property? Year purchased? . What was the original cost? $
Today's Estimated Value $
Estimated Remaining Balance $
Do you have PMI on your loan? YES NO 
Have a 2nd Mortgage/Equity Loan?  YES NO   - If yes, how much do you still owe? 
Keep or consolidate 2nd mortgage? Keep Consolidate
How to pay closing costs?
   

Subject Property Information:

The Home you are refinancing
Same as mailing address?  Yes
If different, list address:
  City   State  Zip
:

(we lend in MN, WI, and SD only)

Monthly Income:

Gross Monthly Income (Pre-Tax)
Base Income $  per 
Overtime
Bonuses
Commissions
Dividends/Interest
Net Rental Income
Other  (Child Support, Social Security, Pension, etc)
Explain Income 
   

Assets: (Include all Applicants)

(includes checking, savings, stocks, mutual funds, etc.) (Include all Applicants Assets)
Account 1 $ Name of Bank 
Account 2 $ Name of Bank 
Account 3 $ Name of Bank 
All additional accounts $
Stocks and Bonds $ Name of Bank 
401(k)/Retirement $
Net Worth of Businesses Owned $
Automobiles Owned 1 Yr/Make. Estimated Vale $ 
Automobiles Owned 2 Yr/Make. Estimated Vale $ 
   

Other Liabilities:

Who do you owe? (Include all Applicants debts)

Alimony/Child Support

$ month
All other debts of ALL applicants (car loans, credit cards, student loans, etc) List only minimum required monthly payments
$month.  Total unpaid balance(s) $
   

Own Other Properties:

 
Own any other property? Complete below if yes.
First property address  City St  Zip
What is the payment $
Estimated Value $ How much do you owe on it? $
Rental or Second Home Rental   Second Home
  If rental, what is rent? $
Second property address  City St  Zip
Monthly payment $
Estimated value $ How much do you owe on it? $
Rental or Second Home Rental   Second Home
  If rental, what is rent? $
   
  If more than 2 home, list addition in 'other' space below

Declarations:

 
A. Are there any outstanding judgments against you?
B. Have you been declared bankrupt within the past 7 years?
C. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
D. Are you a party to a lawsuit?
E. Have you directly or indirectly been obliged on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure or judgment?
F. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?
G. Are you obligated to pay alimony, child support, or separate maintenance?
H. Is any part of the down payment borrowed?
I. Are you a co-maker or endorser on a note?
J. Are you a U.S. citizen?
K. Are you a permanent resident alien?
l. Do you intend to occupy the property as your primary residence?
M. Have you had an ownership interest in a property in the last three years?
(1.) What type of property did you own Principle residence (PR), second home (SH), or investment property (IP)?
(2.) How did you hold title to the home - solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?
   

Government:

Information for Government Lender Monitoring purposes
 I do not wish to answer
Race
Ethnicity:  NOT Hispanic or Latino
 
Hispanic or Latino
Gender  Male   Female
   

Other Information:

Please write in any other information you feel is important to us making our decision, or answers to any YES questions in the declarations section.
 
How did you find out about us   
This help's keep our advertising dollar effective, therefore reducing YOUR closing costs!
   

Finish:

 

 

This is a Secure Web Page: This Web site provides secure communication and has a valid certificate. Secure communication means that information you provide, such as your name or credit-card number, is encrypted so that it can’t be read or intercepted by other people. The certificate is a statement guaranteeing the security of this Web site. A certificate contains information that a specific Web site is authentic. This ensures that no other site can assume the identity of the original site. When you enter a secure Web site, most browsers display a dialog box and a lock icon on the status bar.