MIKE OUVERSON MORTGAGE TEAM!
WE CARE.
WE LISTEN.
WE DELIVER.

As a mortgage consultant, my number one priority is you!

APPLICATION FORM

[This is not a loan commitment form]

USA PATRIOT ACT INFORMATION DISCLOSURE – IMPORTANT INFORMATION ABOUT APPLICATION PROCEDURES

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Is this application for a purchase or refinance?

If you were referred to us, please put their name below:

BORROWER INFORMATION

Civil Status

Do you?

EMPLOYMENT INFORMATION

Are you self-employed?

Please describe your compensation (hourly, salary, bonuses, commission, etc.)

EMPLOYMENT INFORMATION (2)

Please describe your compensation (hourly, salary, bonuses, commission, etc.)

INFORMATION FOR GOVERNMENT MONITORING

The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.

Option:

Sex:

Ethnicity::

Race:

Have you filed your federal tax returns with the IRS for the past 2 years?

Do you owe the IRS any money for income taxes?

b). Do you have a payment plan set up?

CO-BORROWER INFORMATION

If no Co-Borrower, leave blank and proceed to LIQUID ASSETS SECTION

Civil Status

Do You?

EMPLOYMENT INFORMATION

Please describe your compensation (hourly, salary, bonuses, commission, etc.)

EMPLOYMENT INFORMATION (2)

Please describe your compensation (hourly, salary, bonuses, commission, etc.)

INFORMATION FOR GOVERNMENT MONITORING

Option:

Sex:

Ethnicity::

Race:

LIQUID ASSETS

If no Co-Borrower, please proceed to This Section

REAL ESTATE OWNED

Are the insurance and property taxes escrowed as part of your monthly payment?

*If you own other properties, please provide a detailed schedule of real estate owned with this application.

OTHER IMPORTANT INFORMATION

How is your credit history?

Have you filed your taxes for the last 2 years?

By submitting this form, I hereby authorize Luminate Home Loans to verify my past and present employment earnings records, bank accounts, stock holdings, and any other asset balances that are needed to process my mortgage loan application. I further authorize LeaderOne Financial to order a consumer credit report and verify other credit information, including past and present mortgage and landlord references. It is understood that a copy of this form will also serve as authorization. The information LeaderOne Financial obtains is only used in the processing of my application for a mortgage loan.

As a mortgage consultant, my number one priority is you!

APPLY NOW!

MIKE OUVERSON MORTGAGE TEAM!
WE CARE.
WE LISTEN.
WE DELIVER.