Home Equity Line of Credit Application

Instructions: Please review this entire form before beginning. You may need to enter data not immediately available. Once the form has been sent, you will not be able to go back and make corrections. We suggest printing your completed from before sending. If you are not applying with a co-applicant, please leave the Co-Applicant section blank. All fields marked with an asterisk (*) are required.

Loan Information

Are you applying for joint credit?*

Property Information & Purpose of Loan

Property Information

What is the estate held in?*

Property Address

Please enter the property address.

Property Description

This is a: *

Contact Us for information on Construction loans.

Property Refinance

Is this a refinance? *

If "yes" above, please complete the information below.

Property Improvements

Will this loan be used for improvements? *


Borrower Information

Borrower Name

Borrower Information

(###-##-####)

(mm/dd/yyyy)

Borrower Phone Number

Please enter at least one phone number and indicate the number type.

Borrower Physical Address

Check this box if your mailing address is different than your street address where you live.

Borrower Mailing Address

Enter your mailing address if it is different than your home address.

Borrower Housing Status

Do you own or rent your housing? *

Have you lived here for two or more years? *

If you indicated "No" above, please enter your previous housing address below.

Borrower Personal Status

Applicant Marital Status: *

Borrower Information

Borrower Employment

If employed, please fill out the information about applicant employer below.

Have you worked for this employer for more than three years?

If you indicated "less than three years" above, please complete the previous employer section below.

Click to toggle the co-borrower section.

Monthly Income and Combined Housing Expense Information

Monthly Income

Instructions: Use the sections below to list sources of income entering the description, the monthly amount, and checking the box if the income is from the co-borrower. You will be asked to add up these amounts below.

Before completing "Other Income", see the notice in "Describe Other Income" below


Please total the amounts in the fields above and enter it above.

Complete this section only if there is a co-borrower.

Instructions: Use the sections below to list sources of income entering the description, the monthly amount, and checking the box if the income is from the co-borrower. You will be asked to add up these amounts below.

Before completing "Other Income", see the notice in "Describe Other Income" below


Please total the amounts in the fields above and enter it above.

Describe Other Income

Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.

Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

Instructions: Use the sections below to list additional sources of income entering the description, the monthly amount, and checking the box if the income is from the co-borrower. You will be asked to add up these amounts below.





Combined Monthly Housing Expenses

Combine borrower and co-borrower (if there is one) expenses using present and proposed (future) totals and enter on each category below.

Enter the total present and total proposed expenses (the sum of the fields above) here:

Assets

This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also.

Liquid Assets

Cash deposit toward purchase

Life Insurance

Checking or Savings Accounts

Account One

Account Two

Account Three

Stocks and Bonds

Stock / Bond One

Stock / Bond Two

Stock / Bond Three

Investments

Real estate owned (enter market value)

Vested interest in retirement fund

Net Worth of business(es) owned

Automobiles Owned

Automobile One:

Automobile Two:

Automobile Three:

Other Assets (Itemize)

Other Asset One:

Other Asset Two:

Other Asset Three:

Liabilities

This Liabilities Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also.

Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinancing of the subject property.

Liability One

Liability Two

Liability Three

Alimony / Child Support / Separate Maintenance

Schedule of Real Estate Owned

Property One

Property Two

Property Three

Property Value Totals

Total the categories of property details in the fields below:

Declarations

Additional Names

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s)

Borrower Declarations

Are there any outstanding judgments against you? *

Have you been declared bankrupt within the past 7 years? *

Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? *

Are you a party to a lawsuit? *

Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer or 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 the 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. *

Are you obligated to pay alimony, child support, or separate maintenance? *

Is any part of the down payment borrowed? *

Are you 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 an ownership interest in a property in the last three years? *

If yes above, please indicate property type and how the property was held:

Co-Borrower Declarations

Are there any outstanding judgments against you?

Have you been declared bankrupt within the past 7 years?

Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

Are you a party to a lawsuit?

Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer or 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 the 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.

Are you obligated to pay alimony, child support, or separate maintenance?

Is any part of the down payment borrowed?

Are you 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 an ownership interest in a property in the last three years?

If yes above, please indicate property type and how the property was held:

Acknowledgment & Agreement

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its services, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.

Acknowledgment. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency.

I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.

Home Equity Electronic Disclosure

Signatures

Type your name in the box below to represent your electronic signature.