Welcome to Chase Home Loans
Thank you for your interest in Chase Home Loans! We want to help make your home buying experience as pleasant as possible by making your loan application as easy as possible. Just follow these steps. • • • • Gather the information listed on the Documentation Checklist. Complete the Residential Loan Application. Sign the Credit Authorization form. (General Loan Acknowledgement Disclosure) Return the information to: Starr Williams Mortgage Consultant 678-687-5121 cell 866-462-8945 fax For faster service, fax your Application and Credit Authorization to the number listed below.
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Upon receipt of your information we will contact you immediately to answer any questions and arrange a time, either in person or via the phone, to review your loan preferences and options. If you have any questions, please call me at one of the numbers listed below. Thank you. We look forward to the opportunity to work for you. Sincerely,
Starr Williams Mortgage Consultant
Starr Williams 678-687-5121
Documentation Checklist
Documents Needed From Applicant: Signed Residential Loan Application and Credit Authorization W-2s for the past two years (or complete tax returns if self-employed and/or more than 25% of salary is from commission.) Pay stubs covering the most recent 30 days. Bank statements for the most recent 2 months. Other: Asset Account Information IRA, KEOGH, 401K. (most recent 2 months) Address and telephone number of landlord(s) for the past two years. Other ______________________________________________________________ Other ______________________________________________________________
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Additional Documents needed for Refinances: Copy of Warranty Deed. Copy of current Mortgage Statement. Documents Needed From Real Estate Agent/Builder: Signed Purchase Agreement. All addenda to Sales Contract. Other ______________________________________________________________
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Return to: Starr Williams 866-462-8945 fax
* FOR PRIMARY BORROWER *
PERSONAL DATA Starr Williams Mortgage Consultant (678)687-5121 Office (866)462-8945 Fax
Home Phone Unmarried Separated
ASSETS & LIABILITIES (Use a separate sheet if necessary) Assets
Institution #1 Account Number Type Balance
Name Social Security Number Work Phone Married
EMPLOYMENT INFORMATION
Present Employer Type of Business Self Employed? Yrs in this type work
Institution #2 Account Number
Type Balance
Birthdate Home Address
Age(s) of Dependants
Yrs of School Work Address City, County, State, Postal Code Since? Month/Year
Automobile
Make,
Model,
Year,
Value
Automobile
Make,
Model,
Year,
Value
City,
County,
State,
Postal Code Position Real Estate - Address Value Balance Owed Payment (PITI) Rent
Mortgage Company/Acct. # or Landlord/Phone # Gross Monthly Income Do you own the property reference above? ___________ How long have you lived at this address? ___________ If renter, How much do you pay for rent? ___________ If you have been at this address less than 24 months, please provide the following; Previous Address City, County, State, Postal Code If you have been with this employer for less than 24 months, please provide the following;
Real Estate - Address Previous Employer Type of Business Work Address City, Position Gross Monthly Income County, State, Postal Code Since? Month/Year Other - List type & value Realtor: Damian Blair (404.847.0184) Metro Brokers Subdivision Name:_____________________________ Self Employed? Yrs in this type work Other - List type & value Value Balance Owed Payment (PITI) Rent
Other - List type & value
Mortgage Company/Acct. # or Landlord/Phone #
Did you own the property reference above? __________ How long did you live at this address? __________
Please provide details of any other income (second job, overtime, bonuses, etc., on a separate sheet.
* FOR PRIMARY BORROWER *
Phone Number:________________________________
* FOR CO-BORROWER *
PERSONAL DATA Starr Williams Mortgage Consultant (678)687-5121 Office (866)462-8945 Fax EMPLOYMENT INFORMATION
Home Phone Unmarried Separated Work Address Birthdate Home Address City, County, State, Postal Code Age(s) of Dependants Yrs of School City, Position Gross Monthly Income County, State, Postal Code Since? Month/Year Present Employer Type of Business Married Self Employed? Yrs in this type work
ASSETS & LIABILITIES (Use a separate sheet if necessary) Assets
Institution #1 Account Number Type Balance
Name Social Security Number Work Phone
Institution #2 Account Number
Type Balance
Automobile
Make,
Model,
Year,
Value
Automobile
Make,
Model,
Year,
Value
Real Estate Address Value If you have been with this employer for less than 24 months, please provide the following; Real Estate - Address Present Employer Type of Business Work Address City, County, State, Postal Code Since? Month/Year Other - List type & value Realtor: Damian Blair (404.847.0184) Metro Brokers Subdivision Name: _____________________________ Phone Number: _______________________________ Self Employed? Yrs in this type work Rent – Amount & Landlord’s name & phone number Value Balance Owed Payment (PITI) Rent Balance Owed Payment (PITI) Rent
Mortgage Company/Acct. # or Landlord/Phone # Do you own the property reference above? ___________ How long have you lived at this address? ___________ If renter, How much do you pay for rent? ___________ If you have been at this address less than 24 months, please provide the following; Previous Address City, County, State, Postal Code
Other - List type & value
Position Gross Monthly Income
Mortgage Company/Acct. # or Landlord/Phone #
Please provide details of any other income (second job, overtime, bonuses, etc., on a separate sheet.
Did you own the property reference above? __________ How long did you live at this address? __________
* FOR CO-BORROWER *
DECLARATIONS
If you answer “Yes” to any questions A through I, please provide a written explanation. Borrower YES NO a. b. c. d. e. Co-Borrower YES NO Are there any outstanding judgments against you? Have you been declared bankrupt with the past 7 years? Have you had a property foreclosed upon or given title or deed in lieu thereof in the last 7 years? Are you party to a lawsuit? Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond or loan guarantee. (If “Yes”, provide details, including date, name and address of lender, FHA or VA, case number, if any, and reasons for action.)
Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If “Yes,” give details as described in the preceding question. g. Are you obligated to pay alimony, child support, or separate maintenance? h. Is any part of the down payment borrowed? i. Are you co-maker or endorser on a note? j. Are you an U.S. Citizen? k. Are you a permanent resident alien? l. Do you intend to occupy the property as your primary residence? If “Yes,” complete question m below. m. Have you had an ownership interest in a property in the last three years? (1) What type of property did you own – principal 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)? ________ ________ 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. The law provides that a Lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it. However, if you choose not to furnish it, under Federal regulations this Lender is required to note race and sex on the basis of visual observation or surname. If you do not wish to furnish the above information, please check the box below. Borrower: I do not wish to furnish this information American Indian or Alaskan Native Asian or Pacific Islander White, not of Hispanic origin Black, not of Hispanic origin Hispanic Other: ____________________ Male Female Co-Borrower: I do not wish to furnish this information American Indian or Alaskan Native Asian or Pacific Islander White, not of Hispanic origin Black, not of Hispanic origin Hispanic Other: ____________________ Male Female
f.
Authorization to Release Information
To Whom It May Concern: 1. I/We have applied for a mortgage loan from Chase Home Loans. As part of the application process, Chase Home Loans may verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program. 2. I/We authorize you to provide Chase Home Loans all information and documentation that they request. Such information includes, but is not limited to: employment history and income; bank, money market and similar account balances; credit history; and copies of income tax returns. 3. A copy of this authorization may be accepted as an original and your prompt reply to Chase Home Loans is appreciated.
NOTICE TO BORROWERS: This is a notice to you as required by the Right to Financial Privacy Act of 1978 that HUD/FHA has a right of access to financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your transaction will be available to HUD/FHA without further notice or authorization, but will not be disclosed or released by this institution to another Government Agency or Department without your consent except as required or permitted by law.
_______________________________________ ________-___________-________ Borrower’s Signature Social Security Number _______________________________________ ________-___________-________ Co-Borrower’s Signature Social Security Number