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PRELIMINARY LOAN APPLICATION

Simply follow along and answer the following questions

click "SUBMIT INFORMATION" at the bottom of the form when complete

Click on the Link Below to Order Your Credit Report.

When You Finish the Request for Credit . . Simply Close That Window and Continue With Your On-Line Application Here.

Click Here To Pull Your Credit Report

Please Indicate Here If You Successfully Obtained Credit Report:

How did you hear about us ?

If your answer above was "other" . . . please explain:

If a repeat customer . . do you wish to work with the same Loan Officer as last time ?

If you were referred to us, Please tell us Who to Thank:

If You have already spoken with a Bright Mortgage Loan Officer , You may direct this application directly to their attention by listing their name here:

SECTION I TYPE OF LOAN AND TERMS OF LOAN

If you are making loan application jointly with another person or your spouse, do you wish the income and debts of the other person or your spouse to be considered along with yours for purposes of qualifying for this loan ?

However . . . married persons applying alone must still have spouse sign the Deed of Trust at closing.

What type of loan are you applying for?

Other:

If this is a Purchase, What is the expected "Sales Price" ?

Approximate Down Payment:

If this is a Refinance, What is the approximate property "Value" ?

If a Refinance, have you EVER taken cash out of the equity on this property ?

If a Refinance, are you currently claiming an "Agricultural Exemption" on the subject property ?

If a Refinance, has your home been listed For Sale in any way within the last 12 months ?

Loan Amount? $ Interest Rate: %

Length of Loan Term Other:

What type of loan are you applying for?

Other:

SECTION II PROPERTY INFORMATION AND PURPOSE OF LOAN

Status of Property Selection:

Subject Property Street Address:

Subject Property City:

Subject Property State: Zip:

Number of Units: Year Built

Subject Property Legal Description: (example Lot 1, Block 12)

Purpose of Loan: Other:

Property will be:

Complete this information if loan is to be a construction or construction-permanent:

Year Lot Acquired: Original Cost of Lot:

Total Amount of Existing Loans:

(a.) Present Lot Value: (b.) Cost of Improvements:

Total: ( a. + b. )

Complete this information if loan is to be a refinance:

Year You Acquired Home: Original Cost:

Total Amount of Existing Loans:

If refinancing and currently have a 2nd Loan in place, was this 2nd Loan in place the day you purchased your home or at some point after ?

Purpose of Refinance:

Other:

Have any Improvements been made to the property since acquired ?

If Yes, Describe the Improvements:

Total Cost if Improvements:

Each "Owner" please List how you want your Name(s) to be Legally Titled to the Property below ?





Manner in which to be held: ( in Texas, Married Couples hold as Community Property ) Other:

Estate will be held in: If Leasehold, What is Expiration Date: ( Fee Simple is Basic Ownership / Leasehold you own house but Lease Land under it )

Where will the Money for Down Payment come from ?

Money will come from other source:

Do you intend on having a 2nd Lien behind this new Loan ?

How do you want to handle Tax & Insurance ?

SECTION III BORROWER INFORMATION

Borrower's Name:

Social Security Number: Date of Birth:

Home Phone: Years in School:( High School = 12 )

Cell Phone: Marrital Status:

# of Dependents ( not listed by co-borrower )

Ages of Dependents

Current Residence Street Address:

Current Residence City:

Current Residence State: Zip:

Status of Current Residence: How Long at this address ?

If own, What are plans for this residence ?

If own, What is total of all outstanding Loans and Liens ?

Names and Numbers of Lenders or Persons with Liens on this Property or Landlord ?

Name: Phone #: Loan #:

If You Have lived at your current residence less than Two (2) Years . . . Provide the following:

Former Residence Street Address:

Former Residence City:

Former Residence State: Zip:

Status of Former Residence: How Long at this address ?

If Rent, What is Name and Number of Landlord ?

Name: Phone Number:

If you have not provided Two (2) Years of residency . . . Provide the following:

Former Residence Street Address:

Former Residence City:

Former Residence State: Zip:

Status of Former Residence: How Long at this address ?

If Rent, What is Name and Number of Landlord ?

Name: Phone Number:

CO-BORROWER INFORMATION

Co-Borrower's Name:

Social Security Number: Date of Birth:

Home Phone: Years in School:( High School = 12 )

Cell Phone: Marrital Status:

# of Dependents ( not listed by co-borrower )

Ages of Dependents

Current Residence Street Address:

Current Residence City:

Current Residence State: Zip:

Status of Current Residence: How Long at this address ?

If own, What are plans for this residence ?

If own, What is total of all outstanding Loans and Liens ?

Names and Numbers of Lenders or Persons with Liens on this Property or Landlord ?

Name: Phone Number:

If You Have lived at your current residence less than Two (2) Years . . . Provide the following:

Former Residence Street Address:

Former Residence City:

Former Residence State: Zip:

Status of Former Residence: How Long at this address ?

If Rent, What is Name and Number of Landlord ?

Name: Phone Number:

If you have not provided Two (2) Years of residency . . . Provide the following:

Former Residence Street Address:

Former Residence City:

Former Residence State: Zip:

Status of Former Residence: How Long at this address ?

If Rent, What is Name and Number of Landlord ?

Name: Phone Number:

SECTION IV EMPLOYMENT INFORMATION

BORROWER'S EMPLOYMENT

Employer Name :

If Self Employed, how is your business structured ?

Employer Street Address: Ste. #

City: State: Zip:

Your Job Title: Type of Business:

Employer Phone Number: Length of Time This Employer:

If employed here less than (2) years and/or work at more than (1) job . . complete the following

*NOTE..you may list college or technical school as previous employer.

Borrower's Employer:

Employer Street Address: Ste. #

City: State: Zip:

Your Job Title: Type of Business:

Employer Phone Number: Monthly Income ?

Dates of Employment: From: To:

If provided less than (2) years and/or work at additional job . . complete the following

Borrower's Employer:

Employer Street Address: Ste. #

City: State: Zip:

Your Job Title: Type of Business:

Employer Phone Number: Monthly Income ?

Dates of Employment: From: To:

CO-BORROWER EMPLOYMENT

Co-Borrower's Employer:

If Self Employed, how is your business structured ?

Employer Street Address: Ste. #

City: State: Zip:

Your Job Title: Type of Business:

Employer Phone Number: Length of Time This Employer:

Length of Time in This Line of Work / Profession ?

If employed here less than (2) years and/or work at more than (1) job . . complete the following

If Self Employed, how is your business structured ?

Employer Name:

Employer Street Address: Ste. #

City: State: Zip:

Your Job Title: Type of Business:

Employer Phone Number: Monthly Income ?

Dates of Employment: From: To:

If provided less than (2) years and/or work at additional job . . complete the following

Employer Name:

Employer Street Address: Ste. #

City: State: Zip:

Your Job Title: Type of Business:

Employer Phone Number: Monthly Income ?

Dates of Employment: From: To:

SECTION V MONTHLY INCOME AND COMBINED HOUSING EXPENSE

It is VERY important to let us know the breakdown of your income and type of income !

BORROWER:

Type of Income:

*NOTE..."Income Means Gross Income before Taxes."

Amount: per

If Hourly, Average overtime per "Week"

Average Bonus Amount per

Average Commission Amount per

Average "Yearly" Interest / Dividend Income from Investments:

Net Rental Income from Rental Property Per "Month" :

Other Income (Amount): per Describe:

CO-BORROWER:

Type of Income:

*NOTE..."Income Means Gross Income before Taxes."

Amount: per

If Hourly, Average overtime per "Week"

Average Bonus Amount per

Average Commission Amount per

Average "Yearly" Interest / Dividend Income from Investments:

Net Rental Income from Rental Property Per "Month" :

Other Income (Amount): per Describe:

CURRENT HOUSING EXPENSE

Current Rent: Current 1st Mortgage:

Current 2nd Mortgage: Current 3rd Mortgage:

Current Home Insurance per "Year" :

Current Home Property Taxes per "Year":

Current Mortgage Insurance per "Month":

Current HomeOwner's Associtaion Dues per

Other: per

SECTION VI ASSETS & LIABILITIES

This is one of the MOST IMPORTANT areas of Information . . please include ALL

Deposit Check towards Purchase Amount:

If applicable, who was Depost Check written to ?

List "ALL" Accounts with Name of Bank and Balance

Bank: Type: Balance:

List "ALL" Investments ( Not Contained within Retirement Accounts, IRA, etc. )and Balance

Institution: Type: Balance:

List "ALL" Retirement Accounts, IRA, 401-k, etc. and Balances

Institution: Type: Balance:

Life Insurance and Net Cash Value

Does Your Current Life Insurance Have A Cash Value ?

If So, What is the Surrender Value?

What is the Total Death Benefit of the Primary Borrower's Policy ?

List "ALL" Properties You Currently Own

Address: Type: Value:

Total All Liens: Total Monthly Payment Incl Tax, Ins:

Total Monthly Rent ( if applicable )

Address: Type: Value:

Total All Liens: Total Monthly Payment Incl Tax, Ins:

Total Monthly Rent ( if applicable )

Address: Type: Value:

Total All Liens: Total Monthly Payment Incl Tax, Ins:

Total Monthly Rent ( if applicable )

If own more than three, simply state here how many total you own:

Automobile Owned: Model: Year: Value $:

Other Vehicle/Asset Type: Value $:

LIABILITIES

Lender: Type: Monthly: Balance:

If you have more debts than able to list, simply state so here:

BORROWER DECLARATIONS:

Are there any outstanding Judgements against you ?

Have you declared Bankruptcy within the last 7 years ?

Have you had property foreclosed in last 7 years ?

Are you currently Party to a Lawsuit ?

Have directly or indirectly been obligated on any loan in which resulted in foreclosure,

transfer of title in leau of foreclosure, or judgement ?

Are you presently delinquent or in default on any federal debt ?

Are you obligated to pay alimony and/or child support ?

if yes . . . Amount:

Amount:

Is any part of your Down Payment borrowed ?

Are you currently a Co-maker or endorser on a note ?

Are you a U.S. Citizen

Are you a Permanent Resident Alien ?

Do you intend to occupy the property as your primary residence ?

Have you had any ownership interest in a property in the last three (3) years ?

if yes . . . what type of property ?

also . . if yes . . . how did you hold title to that property ?

CO-BORROWER DECLARATIONS:

Are there any outstanding Judgements against you ?

Have you declared Bankruptcy within the last 7 years ?

Have you had property foreclosed in last 7 years ?

Are you currently Party to a Lawsuit ?

Have directly or indirectly been obligated on any loan in which resulted in foreclosure,

transfer of title in leau of foreclosure, or judgement ?

Are you presently delinquent or in default on any federal debt ?

Are you obligated to pay alimony and/or child support ?

if yes . . . Amount:

Amount:

Is any part of your Down Payment borrowed ?

Are you currently a Co-maker or endorser on a note ?

Are you a U.S. Citizen

Are you a Permanent Resident Alien ?

Do you intend to occupy the property as your primary residence ?

Have you had any ownership interest in a property in the last three (3) years ?

if yes . . . what type of property ?

also . . if yes . . . how did you hold title to that property ?

By re-typing your name below, you hereby state that the above information is true and correct to the best of your knowledge ?

BORROWER: DATE:

CO-BORROWER: DATE:

SECTION X INFORMATION FOR GOVERNMENT MONITORING PURPOSES

Borrower: I do not wish to provide this information

Race / National Origin: Other: Specify:

Co-Borrower: I do not wish to provide this information

Race / National Origin: Other: Specify:

Tell us how to get in touch with you:

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For Information regarding this website contact webmaster@brightmortgage.com Copyright � 2001 All rights reserved. Revised: July 28, 2010.

For Information regarding this website contact webmaster@brightmortgage.com
Copyright � 2001 All rights reserved. Revised: July 28, 2010.