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The Membrane Domain

HOME REFINANCE LOAN APPLICATION

This section is restricted to homeowners that wish to refinance their primary residence properly zoned for residential occupancy. A refinance can be used to improve your interest rate or terms on your single home loan or can be used to consolidate debt. If you are refinancing for a better rate or term on your single home loan you may qualify to borrow up to 90% of your homes value. If you are refinancing to consolidate debt or receive some cash. The total loan can not exceed 75% of the value of your home.
By completing this section you authorize Shelter Mortgage Corporation to obtain a credit report in your name for mortgage application purposes only. The RESPA Act prohibits lenders from distributing credit reports to any third party.
There will be a $300.00 or $325.00 application fee required to begin the final processing of your paperwork. To lock in or establish your interest rate on your loan a one point or 1% of the loan amount must be returned along with the application paperwork.
The Federal Equal Credit Opportunity Act prohibits creditors from discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, or age.

Home Refinance Loan Application Form

Personal Information:

                                       BORROWER                     CO-BORROWER

Full Name                            

Address                                  

Do you own or rent        Own Rent                              Own Rent  

                                        Live with relatives                     Live with relatives
 
How long have you
lived here                                                           

How much is your
current housing
expense                                          


What type of mortgage?


Previous Address
(If less than 2 yrs
at current address)
                                                

Did you own or rent       Own Rent                              Own Rent  

                                        Live with relatives                     Live with relatives
 
How long did you
lived there                                                     
   
Social Security Number           

Home Phone Number              

Work Phone Number              

E-Mail Address                       

Age                                          

Sex                                 Male       Female             Male   Female

Years of schooling                  

Number of dependents           

Ages of dependents                

Marital Status                Married    Seperated      Married    Seperated    

                                        Unmarried                            Unmarried
  
Are you a U.S. citizen    Yes  No                           Yes   No

If not,do you have a 
green card                      Yes    No                         Yes   No

Are you obligated to pay
alimony or child support Yes    No                        Yes   No


The following information is requested by the Federal Government in order to monitor
the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage
Disclosure Laws.  The law provides that a lender may not discriminate on the basis of
this information.


Race/National
Origin                           American Indian or                    American Indian or
                                           Alaskan Native                             Alaskan Native 
                                     Black, not of Hispanic origin     Black, not of Hispanic origin
                                     Hispanic                                      Hispanic
                                     Asian or Pacific Islander            Asian or Pacific Islander
                                     White, not of Hispanic origin     White, not of Hispanic origin

Property Information

Address for property being refinanced
Below we request your estimate of value for your home. Please keep in mind that a licensed appraiser will be comparing your home to other local, similar homes that have sold in the last 6 months. If you overestimate the value of your home, your refinance may not meet your needs and your application fee could be wasted.
Estimated home value
Annual taxes
Annual Homeowners Insurance
Is the property single family duplex triplex
Will you use the property as primary residence vacation home investment
Is this property a condominium townhome fee simple home
Is there an association fee? Yes No If yes, How much monthly
Is there a mortgage on the property now? Yes No
What is the loan balance Current payment Current rate
Is there a second mortgage or credit line on the property now? Yes No
What is the loan balance Current payment Current rate
Is your primary mortgage Conventional FHA VA

Employment Information:

Borrower's Employer Name & Address:

Position:                              

How long employed here:  

Gross  Monthly Salary:                            Self Employed   

Co-Borrower's Employer Name & Address:

Position:                              
How long employed here:  

Gross  Monthly Salary:                            Self Employed

Please complete this section if you have been with your current employer for less than 2 years:

Borrower's Previous Employer Name & Address:

Position:                              

Dates employed here:   to 

Gross  Monthly Salary:                            Self Employed   

Co-Borrower's Previous Employer Name & Address:


Position:                              
Dates employed here:   to 

Gross  Monthly Salary:                            Self Employed

Please complete this section for a 2nd job or additional employers

Borrower's Second Employer Name & Address:

Position:                              

Dates employed here:   to .

Gross  Monthly Salary:                            Self Employed   

Co-Borrower's Second Employer Name & Address:


Position:                              
Dates employed here:   to 

Gross  Monthly Salary:                            Self Employed

Asset Information:

For this section, please only give approximate figures in each account area. There is no need to give account numbers in which the monies reside.

                          Amount                        Institution
Savings:                 

Checking:              

Money Markets:  


Other:

Debt Information:

The following debt information is a critical aspect of this financial analysis. We will give you several general categories of possible revolving debt to fill in. These may not be all-inclusive, so please use the 'other' section to include your unique situation. Revolving debt is defined as any constant, monthly payments you make. (ie: car payments, home equity loan, school loans, credit cards...)

Please give both the current total balance of the debt as well as the current monthly payment.

Type of Account                 Approx. Balance     Monthly Payment

Combined Credit Cards:  

Car Loan:                         

Car Loan:                          

School Loan:                    

School Loan:                                           

Personal Loans:               

1st Mortgage                    

2nd Mortgage

Please continue with any other revolving debts you may have that do not fit in the categories listed above:

Have you ever been previously married?
YES
NO
If ,YES, is there any allimony/child support, and how much on a monthly basis?

How long will payments continue ?

If you own a second or third home please give the same info for them in the space provided below:

Disclosure Information:

Have you in the last 7 years declared bankruptcy, suffered foreclosure, had an account assigned for collection or had any legal action affecting your ability to finance?
YES
NO
If, YES, explain below:

Are you a US citizen ?
YES
NO

If NO, are you a US Resident Alien?
YES
NO

Mortgage Options

Please complete the following section to indicate your preference for your financing. Your mortgage councilor will be calling you to answer any questions and confirm your selections. At that time you will be given instructions on how to lock in on current interest rates.

How long do you think that you will own the home that you are refinancing? 0-5 years 10-15 years 5-10 years 15 or more years
What mortgage term do you prefer? 10 years15 years20 years30 years
How many points are you considering? NoneOneTwoThree
What loan program are you considering? Fixed 1 year arm FHA 3/1 year arm VA 5 or 7 year arm Buydown COFI adjustable 5 or 7 year balloon Other
How much of a loan are you requesting?
Would you like the costs of this refinance to be financed into the loan YES NO
Completing this information does not guarantee mortgage approval. this should not be considered an extension of credit. I/We hereby authorize Shelter Mortgage Services to obtgain a credit report in my/our names, for mortgage application purposes only. The RESPA Act prohibits lenders from distributing credit reports to any third party. Please run my credit Do Not run my credit

Thank you for taking the time to review and complete this form.
We at Shelter Mortgage believe it will be an excellent start in acquiring your
new home. Simply click on the "submit request" button below to continue.

To view a list of documents required for a loan application
Click here

Thank you.

Licensed Mortgage Banker: PA Dept. of Banking
Licensed Mortgage Banker: NJ Dept. of Banking
Licensed Mortgage Banker: DE Dept. of Banking

Equal Housing Opportunity

Return to the Scott Milne home page

This website has been archived for historical purposes. The Membrane Domain

HOME REFINANCE LOAN APPLICATION

Home Refinance Loan Application Form

Personal Information:

BORROWER CO-BORROWER

Property Information

Employment Information:

Borrower's Employer Name & Address: Position: How long employed here: Gross Monthly Salary: Self Employed Co-Borrower's Employer Name & Address: Position: How long employed here: Gross Monthly Salary: Self Employed

Please complete this section if you have been with your current employer for less than 2 years:

Borrower's Previous Employer Name & Address: Position: Dates employed here: to Gross Monthly Salary: Self Employed Co-Borrower's Previous Employer Name & Address: Position: Dates employed here: to Gross Monthly Salary: Self Employed

Please complete this section for a 2nd job or additional employers

Borrower's Second Employer Name & Address: Position: Dates employed here: to . Gross Monthly Salary: Self Employed Co-Borrower's Second Employer Name & Address: Position: Dates employed here: to Gross Monthly Salary: Self Employed

Asset Information:

For this section, please only give approximate figures in each account area. There is no need to give account numbers in which the monies reside.

Amount Institution

Savings: Checking: Money Markets: Other:

Debt Information:

Please give both the current total balance of the debt as well as the current monthly payment.

Type of Account Approx. Balance Monthly Payment Combined Credit Cards: Car Loan: Car Loan: School Loan: School Loan: Personal Loans: 1st Mortgage 2nd Mortgage

Disclosure Information:

Have you in the last 7 years declared bankruptcy, suffered foreclosure, had an account assigned for collection or had any legal action affecting your ability to finance? YES NO If, YES, explain below:

Are you a US citizen ? YES NO

If NO, are you a US Resident Alien? YES NO

Mortgage Options

Please complete the following section to indicate your preference for your financing. Your mortgage councilor will be calling you to answer any questions and confirm your selections. At that time you will be given instructions on how to lock in on current interest rates.

Thank you for taking the time to review and complete this form. We at Shelter Mortgage believe it will be an excellent start in acquiring your new home. Simply click on the "submit request" button below to continue.

To view a list of documents required for a loan application Click here

Click here

Thank you.

Licensed Mortgage Banker: PA Dept. of BankingLicensed Mortgage Banker: NJ Dept. of BankingLicensed Mortgage Banker: DE Dept. of Banking

Equal Housing Opportunity

Return to the Scott Milne home page

This website has been archived for historical purposes.
The Membrane Domain

Borrower's Employer Name & Address:
Position:

How long employed here:
Gross Monthly Salary: Self Employed

Co-Borrower's Employer Name & Address:
Position:
How long employed here:
Gross Monthly Salary: Self Employed

Borrower's Previous Employer Name & Address:
Position:
Dates employed here: to
Gross Monthly Salary: Self Employed

Co-Borrower's Previous Employer Name & Address:

Position:
Dates employed here: to
Gross Monthly Salary: Self Employed

Borrower's Second Employer Name & Address:
Position:
Dates employed here: to .
Gross Monthly Salary: Self Employed

Co-Borrower's Second Employer Name & Address:

Position:
Dates employed here: to
Gross Monthly Salary: Self Employed

Savings:
Checking:
Money Markets:
Other:

Type of Account Approx. Balance Monthly Payment
Combined Credit Cards:
Car Loan:
Car Loan:
School Loan:
School Loan:
Personal Loans:
1st Mortgage
2nd Mortgage

Have you in the last 7 years declared bankruptcy, suffered foreclosure, had an account assigned for collection or had any legal action affecting your ability to finance?
YES
NO
If, YES, explain below:

Are you a US citizen ?
YES
NO

If NO, are you a US Resident Alien?
YES
NO

Thank you for taking the time to review and complete this form.
We at Shelter Mortgage believe it will be an excellent start in acquiring your
new home. Simply click on the "submit request" button below to continue.

To view a list of documents required for a loan application
Click here

Licensed Mortgage Banker: PA Dept. of Banking
Licensed Mortgage Banker: NJ Dept. of Banking
Licensed Mortgage Banker: DE Dept. of Banking