RIVER LAKE HOMES APPLICANT CREDIT INFORMATION
:
If this is an INDIVIDUAL application, complete Section A. If this is a JOINT application, complete sections 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.
If this is a purchase, complete the following:
Seller/Realtor Name:
*
Property will be:
*
Primary Residence
Secondary Residence
Investment/Rental
Buy-For
Loan Type:
*
Home only
Land and Home
Land only
Home is being:
*
Purchased
Refinanced
Street Address where home will be located, including site #:
*
City
*
State
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
zip:
*
Parish:
*
If Land and Home, Land is being:
*
Purchased
Refinanced
Owned Free & Clear
If owned free and clear, whose land is it?
Estimated Land Value?
*
Purchase price/payoff
Date acquired
If home only, site placement is:
Owned property with no lien
Reservation
Leased Private Property
Family Land- no rent
Community/Park
Owned Property Land Contract/Mortgage Trust Deed
Will the home be located in a Resident-Owned Community (co-op)?
Yes
No
Are you pledging or purchasing the security interest in the co-op shares?
Yes
No
If Home Only and land is leased, Name of Community/Park/Land Owner/Mortgage Holder
Phone number
Monthly site payment
Is the site rent scheduled to increase over the next three years?
Yes
No
If so, please explain
Proposed Down Payment
*
Source of Down Payment
Savings
Checking
Cash on Hand
Loan
Gift
I wish to use my land as down payment
Other
Email Address (for Loan Notices & Documents)
Applicant Email
Co-Applicant Email
Applicant (A)
Full Name- Last, First, Middle
*
Birthdate (mm/dd/yy)
*
Social Security #
Marital Status
Married
Unmarried
Separated
Number of Applicant Dependents (not including self or those listed by Co-Borrower)
Applicant's Residence
Current Street Address (3 years Residence Required) City, State, Zip
Parish
Mailing Address (if different from physical) City, State, Zip
Home Telephone
Mobile Phone
How long at present address?
Which are you?
Homeowner
Renter
Live with parent
Other
What is your monthly mortgage/rent?
Name of previous Mortgage holder or Landlord
Phone number of previous mortgage holder/Landlord
What are the plans for your existing home?
Previous street address (if current less than 3 years)
Previous address city, state, zip
How long?
Name of mortgage holder or Landlord:
Previous Mortgage Holder/Landlord phone number
Name of nearest relative NOT living with you
What is your relationship?
Friend
Colleague
Neighbor
Other
Telephone Number
Co-Applicant (B)
Full Name: Last, Middle, First
Birthdate (mm/dd/yy)
Social Security #
Marital Status
Married
Unmarried
Separated
Number of Applicant Dependents (not including self or those listed by borrower)
Co-Applicant's Residence
Current Street Address (3 yrs residence required)
City, State, Zip
Parish
Mailing Address (if different from physical)
City, State, Zip
Home Phone
Mobile Phone
How long at present address?
Which are you?
Homeowner
Renter
Live with Parents
Other
Monthly mortgage/Rent
Name of previous Mortgage Holder or Landlord
Telephone number
What are the plans for your existing home?
Previous address (if current address is less than 3 yrs)
City, State, Zip
How long?
Name of Mortgage Holder/Landlord
Telephone Number
Name of nearest relative not living with you
Relationship
Telephone Number
Applicant's Employment History (minimum 3 years)
1- Current Employer
Position held/occupation
Date started
Employer Street Address
City, State, Zip
Supervisor Name
Supervisor Telephone Number
List your base pay rate excluding commission, bonuses, & overtime
How are you paid? (select one below)
Hourly Rate
Weekly Salary
Bi-Wkly Salary
Monthly Salary
If hourly, how many hours?
Do you receive bonuses?
Yes
No
If yes, how often?
If yes, how much in bonuses over the last 12 months?
Do you receive commission?
Yes
No
How often?
If yes, how much in commissions over the last 12 months?
Do you consistently receive overtime?
Yes
No
If yes, how often?
If yes, how much in overtime over the last 12 months?
2- Second or previous employer
Position held/occupation
Self-Employed
Yes
No
Date Started
Date Left
City, State
Supervisor name
Supervisor Phone Number
Income
3- Previous Employer
Position held/occupation
Self-Employed
Yes
No
Date Started
Date Left
City, State
Supervisor Name
Supervisor Telephone Number
Income
Please explain any gaps in employment that is greater than 90 days
Co-Applicant's Employment History (minimum 3 years)
1- Current Employer
Position Held/Occupation
Self-Employed
Yes
No
Date Started
Employer Address
City, State, Zip
Supervisor Name
Supervisor Telephone Number
List your base pay rate excluding commission, bonuses, & overtime: How are you paid?
Hourly
Weekly
Bi-Weekly
Monthly
If hourly, # of hours per week?
If weekly, what is your weekly salary?
If bi-weekly, what is your bi-weekly salary?
If monthly, what is your monthly salary?
Do you receive bonuses?
Yes
No
How often?
How much in bonuses in last 12 months?
Do you receive commissions?
Yes
No
How often?
How much commission over the last 12 months?
Do you receive overtime consistently?
Yes
No
How often?
How much in overtime over the last 12 months?
2- Second or Previous Employer
Position held/occupation
Self-Employed?
Yes
No
Date Started
Date Left
City, State
Supervisor Name
Supervisor Phone Number
Income
3- Previous Employer
Position Held/Occupation
Self-Employed
Yes
No
Date Started
Date Left
City, State
Supervisor Name
Supervisor Phone Number
Income
Please provide an explanation for any job gaps greater than 30 days
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.
Child Support monthly amount
ages of children
Alimony or Separate Maintenance amount
Duration
Other source?
How long?
Monthly amount?
Co-Applicant's Other Income
Child Support Monthly Amount
Ages of children
Alimony or separate maintenance amount?
Duration?
Other Source?
How long?
Monthly Amount?
(A) Applicant- Asset & Credit Information
Bank Name
Account Type
Checking
Savings
Other
City, State
Balance?
Retirment/401K with:
City, State
Balance?
Auto #1 (Year, Make)
Lender
Value?
Payment?
Balance?
Auto #2 (Year, Make)
Lender
Value?
Payment?
Balance?
Other Asset?
Lender
Other Asset
Lender
Value?
Payment?
Balance?
Other Real Estate Owned
Lender
Value?
Payment?
Balance?
Are you a co-maker or guarantor on a note?
Yes
No
If so, for whom?
Creditor
Monthly payment?
(A) Applicant- Debts/Obligations
Alimony/Maintenance?
Expiration Date
Garnishment?
Child Support?
Ages of children
(B) Co-Applicant- Asset and credit information
Bank Name
Account Type
Checking
Savings
Other
City, State
Balance?
Retirement/401K with?
City, State
Balance?
Auto #1 (Year/Make)
Lender
Value?
Payment?
Balance?
Auto #2 (Year/Make)
Lender
Value?
Payment?
Balance?
Other Asset?
Lender
Value?
Payment?
Balance?
Other Real Estate Owned?
Lender
Value?
Payment?
Balance?
Are you a co-maker or guarantor on a note?
Yes
No
If so, for whom?
Creditor
Monthly Payment
(B) Co-Applicant- Debts/Obligations
Alimony/Maintenance
Expiration Date
Garnishment?
Child Support?
List ages of children
Other Extraordinary Recurring Expenses
List other items that have a significant impact to your budget
If you drive more than 20 miles each way to work everyday, what is your monthly fuel & maintenance expense other than your car payment?
Child Care Expense
Other
Other
List any Government Assistance Payments to you that help offset household expenses such as WIC, TANF, or SNAP. You aren't required to disclose these amounts if you do not wish to have them considered as basis in analyzing your ability to undertake or repay this debt.
Is Applicant (A) a U.S. Citizen?
*
Yes
No
Is Applicant (B) a U.S. Citizen?
Yes
No
Is Applicant (A) a permanent resident alien?
*
Yes
No
Is Applicant (B) a permanent resident alien?
Yes
No
Has Applicant (A) declared bankruptcy within the last 5 years?
*
Yes
No
If yes, when did you file?
Has Applicant (B) declared bankruptcy within the last 5 years?
Yes
No
If yes, when did you file?
DEMOGRAPHIC INFORMATION- this section asks about your ethnicity, sex, & race.
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 info. in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You aren't required to provide this information, but are encouraged to do so. 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, race, and sex 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.
Information: You may select one or more designations for "Ethnicity" and one or more designations for "Race." If you don't wish to provide some or all of this information, select the applicable check box.
(A) Applicant
Ethnicity
*
Hispanic or Latino
Mexican
Puerto Rican
Cuban
Other Hispanic or Latino
Not Hispanic or Latino
I do not wish to provide this info
Race
*
American Indian
Alaskan Native
Asian
Black or African American
Native Hawaiian or other Pacific Islander
White
I do not wish to provide this information
Sex
*
Male
Female
I do not wish to provide this information
(B) Applicant
Ethnicity
*
Hispanic/Latino
Not Hispanic/Latino
I do not wish to provide this information
Race
American Indian
Alaskan Native
Asian
Black or African American
Native Hawaiian or other Pacific Islander
White
I do not wish to provide this information
Sex
Male
Female
I do not wish to provide this information
*
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