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This application is designed to be completed by the applicant(s) with the Lender’s assistance. Applicants should complete this form as “Borrower” or “Co-Borrower”, as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the “Borrower” (including the Borrower’s spouse) will be used as a basis for loan qualification or the income or assets of the Borrower’s spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

Signature

Borrower

Signature

Co-Borrower

I. TYPE OF MORTGAGE AND TERMS OF LOAN

Mortgage Applied for:

VA
FHA
Conventional
USDA/Rural
Other (explain): CalVet
Housing Service

Agency Case Number

Lender Case Number

Amount

Interest Rate

Amortization Type

Fixed Rate
Other (explain):
GPM
ARM (type):

II. PROPERTY INFORMATION AND PURPOSE OF LOAN

Subject Property Address (street, city, state, & ZIP)

No. of Units

Legal Description of Subject Property (attach description if necessary)

Year Built

Purpose of Loan

Purchase
Refinance
Construction
Construction-Permanent
Other (explain):

Property will be:

Primary Residence
Secundary Residence
Investment

Complete this line if construction or construction-permanent loan.

Year Lot Acquired

Original Cost

Amount Existing Liens

(a) Present Value of Lot

(b) Cost of Improvements

Total (a+b)

Year Acquired

Original Cost

Amount Existing Liens

Purpose of Refinance

Describe Improvements .

Cost: $

Select

Made
to be made

Description

Title will be held in what Name(s)

Manner in which Title will be held

Estate will be held in:

Fee simple
Leasehold (show expiration date)

Explain

Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain)

III. BORROWER

A. Borrower Information

Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number

Home Phone (incl. area code)

DOB (mm/dd/yyyy)

Yrs. School

Married (includes registered domestic partners)
Unmarried (includes single, divorced, widowed)
Separated

Dependents
(not listed by Co-Borrower)

No.

Age

Present Address (street, city, state, ZIP/ country)

Own
Rent

No. Yrs

Present Address (street, city, state, ZIP/ country)

Mailing Address, if different from Present Address

If residing at present address for less than two years, complete the following:

Former Address (street, city, state, ZIP/ country)

Own
Rent

No. Yrs

Former Address (street, city, state, ZIP/ country)

Own
Rent

No. Yrs

Former Address (street, city, state, ZIP/ country)

B. Employment Information

B.1- Current

Name & Address of Employer

Self Employment

Years on this job

Years employed in this line of work/profession

Position/Title/Type of Busines

Business Phone (incl. area code)

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

B.2- Previous Work 1

Name & Address of Employer

Self Employment

Dates (from-to)

Monthly Income $

Position/Title/Type of Busines

Business Phone (incl. area code)

B.3- Previous Work 2

Name & Address of Employer

Self Employment

Dates (from-to)

Monthly Income $

Position/Title/Type of Busines

Business Phone (incl. area code)

B.4- Previous Work 3

Name & Address of Employer

Self Employment

Dates (from-to)

Monthly Income $

Position/Title/Type of Busines

Business Phone (incl. area code)

B.5- Previous Work 4

Name & Address of Employer

Self Employment

Dates (from-to)

Monthly Income $

Position/Title/Type of Busines

Business Phone (incl. area code)

III. CO-BORROWER

A. CO-Borrower Information

Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number

Home Phone (incl. area code)

DOB (mm/dd/yyyy)

Yrs. School

Married (includes registered domestic partners)
Unmarried (includes single, divorced, widowed)
Separated

Dependents
(not listed by Co-Borrower)

No.

Age

Present Address (street, city, state, ZIP/ country)

Own
Rent

No. Yrs

Mailing Address, if different from Present Address

Former Address (street, city, state, ZIP/ country)

Own
Rent

No. Yrs

Former Address (street, city, state, ZIP/ country)

Own
Rent

No. Yrs

Former Address (street, city, state, ZIP/ country)

B. Employment Information

B.1- Current

Name & Address of Employer

Self Employment

Years on this job

Years employed in this line of work/profession

Position/Title/Type of Busines

Business Phone (incl. area code)

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

B.2- Previous Work 1

Name & Address of Employer

Self Employment

Dates (from-to)

Monthly Income $

Position/Title/Type of Busines

Business Phone (incl. area code)

B.3- Previous Work 2

Name & Address of Employer

Self Employment

Dates (from-to)

Monthly Income $

Position/Title/Type of Busines

Business Phone (incl. area code)

B.4- Previous Work 3

Name & Address of Employer

Self Employment

Dates (from-to)

Monthly Income $

Position/Title/Type of Busines

Business Phone (incl. area code)

B.5- Previous Work 4

Name & Address of Employer

Self Employment

Dates (from-to)

Monthly Income $

Position/Title/Type of Busines

Business Phone (incl. area code)

IV. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

A. Gross Monthly Income

Gross Monthly Income*

Borrower

Co-Borrower

Total

Base Empl. Income*

Base Empl. Income/Borrower

Base Empl. Income/Co-Borrower

Base Empl. Income/Total

Overtime

Overtime/Borrower

Overtime/Co-Borrower

Overtime/Total

Bonuses

Bonuses/Borrower

Bonuses/Co-Borrower

Bonuses/Total

Commissions

Commissions/Borrower

Commissions/Co-Borrower

Commissions/Total

Dividends/Interest

Dividends/Interest/Borrower

Dividends/Interest/Co-Borrower

Dividends/Interest/Total

Net Rental Income

Net Rental Income/Borrower

Net Rental Income/Co-Borrower

Net Rental Income/Total

Other

Other/Borrower

Other/Co-Borrower

Other/Total

Total

Total/Borrower

Total/Co-Borrower

Gross Monthly Income/Total

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

B. Combined Monthly/Housing Expense

Combined Monthly/Housing Expense

Present

Proposed

Rent

Rent/Present

Rent/Proposed

First Mortgage (P&I)

First Mortgage (P&I)/Present

First Mortgage (P&I)/Proposed

Other Financing (P&I)

Other Financing/Present

Other Financing/Proposed

Hazard Insurance

Hazard Insurance/Present

Hazard Insurance/Proposed

Real Estate Taxes

Real Estate Taxes/Present

Real Estate Taxes/Proposed

Mortgage Insurance

Mortgage Insurance/Present

Mortgage Insurance/Proposed

Homeowner Assn. Dues

Homeowner Assn. Dues/Present

Homeowner Assn. Dues/Proposed

Other

Other/Present

Other/Present/Proposed

Total

Total/Present

Total/Proposed

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.

B/C

Detail

Monthly Amount $

B/C

Detail

Monthly Amount $

B/C

Detail

Monthly Amount $

VI. ASSETS AND LIABILITIES

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 by that spouse or other person also.

Compled

Jointly
Not Jointly

A. ASSETS (Description)

Cash deposit toward purchase held by:

Cash or Market Value

List checking and savings accounts below

Name and address of Bank, S&L, or Credit Union

Account no.

Amount $

Name and address of Bank, S&L, or Credit Union

Account no.

Amount $

Name and address of Bank, S&L, or Credit Union

Account no.

Amount $

Stocks & Bonds (Company name/number description)

Stocks & Bonds $

Life insurance net cash value: Face amount:

Life Insurance net cash value: Face amount: $

Subtotal Liquid Assets

Subtotal Liquid Assets $

Real estate owned (enter market value from schedule of real estate owned)

Vested interest in retirement fund

Net worth of business(es) owned (attach financial statement)

Automobiles owned (make and year)

Other Assets (itemize)

Total Assets a.

B. LIABILITIES

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

LIABILITIES

Monthly Payment & Months Left Pay

Unpaid Balance

Name and address of Company

Acct. no

$ Payment/Months

Unpaid Balance $

Name and address of Company

Acct. no

$ Payment/Months

Unpaid Balance $

Name and address of Company

Acct. no

$ Payment/Months

Unpaid Balance $

Name and address of Company

Acct. no

$ Payment/Months

Unpaid Balance $

Name and address of Company

Acct. no

$ Payment/Months

Unpaid Balance $

Name and address of Company

Acct. no

$ Payment/Months

Unpaid Balance $

Alimony/Child Support/Separate Maintenance Payments Owed to:

Job-Related Expense (child care, union dues, etc.)

Total Monthly Payments $

TOTAL MONTHLY PAYMENTS

TOTAL MONTHLY PAYMENTS = Total Assets a. MINUS Total Monthly Payments b

Total Assets a

Total Liabilities b

C. Schedule of Real Estate Owned

C.1 Real Estate Owned #1

Property Address

Select

Select S if sold, PS if pending sale or R if rental being held for income

Type of Property

Present Market Value

Amount of Mortgages & Liens

Gross Rental Income

Mortgage Payments

Insurance, Maintenance, Taxes & Misc.

Net Rental Income

Total = Present Market Value + Amount of Mortgages & Liens + Grosss Rental Income + Mortgage Payments + Insurance, Maintenance, Taxes & Misc

C.2 Real Estate Owned #2

Property Address

Select

Select S if sold, PS if pending sale or R if rental being held for income

Type of Property

Present Market Value

Amount of Mortgages & Liens

Gross Rental Income

Mortgage Payments

Insurance, Maintenance, Taxes & Misc.

Net Rental Income

Total = Present Market Value + Amount of Mortgages & Liens + Grosss Rental Income + Mortgage Payments + Insurance, Maintenance, Taxes & Misc

C.3 Real Estate Owned #3

Property Address

Select

Select S if sold, PS if pending sale or R if rental being held for income

Type of Property

Present Market Value

Amount of Mortgages & Liens

Gross Rental Income

Mortgage Payments

Insurance, Maintenance, Taxes & Misc.

Net Rental Income

Total = Present Market Value + Amount of Mortgages & Liens + Grosss Rental Income + Mortgage Payments + Insurance, Maintenance, Taxes & Misc

Details

Real Estate Owned #1

Real Estate Owned #2

Real Estate Owned #3

Present Market Value

Present Market Value / Real Estate Owned #1.

Present Market Value / Real Estate Owned #2

Present Market Value / Real Estate Owned #3

Amount of Mortgages & Liens

Amount of Mortgages & Liens / Real Estate Owned #1. (copy)

Amount of Mortgages & Liens / Real Estate Owned #2 (copy)

Amount of Mortgages & Liens / Real Estate Owned #3 (copy)

Gross Rental Income

Gross Rental Income / Real Estate Owned #1

Gross Rental Income / Real Estate Owned #2

Gross Rental Income / Real Estate Owned #3

Mortgage Payments

Mortgage Payments / Real Estate Owned #1

Mortgage Payments / Real Estate Owned #2

Mortgage Payments / Real Estate Owned #3

Insurance, Maintenance, Taxes & Misc.

Insurance, Maintenance, Taxes & Misc. / Real Estate Owned #1

Insurance, Maintenance, Taxes & Misc. / Real Estate Owned #2

Insurance, Maintenance, Taxes & Misc. / Real Estate Owned #3

Net Rental Income

Net Rental Income / Real Estate Owned #1

Net Rental Income / Real Estate Owned #2

Net Rental Income. / Real Estate Owned #3

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

Alternate Name 1

Creditor Name 1

Account Number 1

Alternate Name 2

Creditor Name 2

Account Number 2

VII. DETAILS OF TRANSACTIONS

a.- Purchase Price

Purchase Price

b.- Alterations, improvements, repairs

c.- Land (if acquired separately)

b.- Land (if acquired separately)

d.- Refinance (incl. debts to be paid off)

e.- Estimated prepaid items

f.- Estimated closing costs

g.- PMI, MIP, Funding Fee

f.- PMI, MIP, Funding Fee

h.- Discount (if Borrower will pay)

g.- Discount (if Borrower will pay)

i.- Total costs (add items a through h)

j.- Subordinate financing

k.- Borrower’s closing costs paid by Seller

k.- Borrower's closing costs paid by Seller

i.- Other Credits (explain)

m.- Loan amount (exclude PMI, MIP, Funding Fee financed)

n.- PMI, MIP, Funding Fee financed

o.- Loan amount (add m & n)

p.- Cash from/to Borrower (subtract j, k, l & o from i)

VIII. DECLARATIONS

If you answer “Yes” to any questions a through please use continuation sheet for explanation.

Borrower

Co-Borrower

a. Are there any outstanding judgments against you?

Borrower: Are there any outstanding judgments against you?

Co-Borrower: Are there any outstanding judgments against you?

b. Have you been declared bankrupt within the past 7 years?

Borrower: Have you been declared bankrupt within the past 7 years?

Co-Borrower: Have you been declared bankrupt within the past 7 years?

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

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

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

d. Are you a party to a lawsuit?

Borrower: Are you a party to a lawsuit?

Co-Borrower: Are you a party to a lawsuit?

e. 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 the action.)

Borrower: Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment?

Co-Borrower: Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment?

f. 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.

Borrower: Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?

Co-Borrower: Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?

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

Borrower: Are you obligated to pay alimony, child support, or separate maintenance? (copy)

Co-Borrower: Are you obligated to pay alimony, child support, or separate maintenance? (copy) (copy)

h. Is any part of the down payment borrowed?

Borrower: Is any part of the down payment borrowed?

Co-Borrower: Is any part of the down payment borrowed?

i. Are you a co-maker or endorser on a note?

Borrower: Are you a co-maker or endorser on a note?

Co-Borrower: Are you a co-maker or endorser on a note?

j. Are you a U. S. citizen?

Borrower: Are you a U. S. citizen?

Co-Borrower: Are you a U. S. citizen?

k. Are you a permanent resident alien?

Borrower: Are you a permanent resident alien?

Co-Borrower: Are you a permanent resident alien?

I. Do you intend to occupy the property as your primary residence? If “Yes,” complete question m below.

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

Co-Borrower: Do you intend to occupy the property as your primary residence?

m. Have you had an ownership interest in a property in the last three years?

Borrower: Have you had an ownership interest in a property in the last three years?

Co-Borrower: 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)?

Borrowed: (1) What type of property did you own-principal residence (PR), second home (SH), or investment property (IP)?

Co-Borrowed: (1) What type of property did you own-principal residence (PR), second home (SH), or investment property (IP)? (copy)

(2) How did you hold title to the home-solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

Borrowed: (1) (2) How did you hold title to the home-solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

Co-Borrowed: (1) (2) How did you hold title to the home-solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)? (copy)

IX. ACKNOWLEDGEMENT AND 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 Land Contract of Sale 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 servicers, 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. Acknowledgement. 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 purpose through any source, including a source named in this application or a consumer reporting agency. Right to Receive Copy of Appraisal I/We have the right to a copy of the appraisal report used in connection with this application for credit. To obtain a copy, I/we must send Creditor a written request at the mailing address Creditor has provided. Creditor must hear from us no later than 90 days after Creditor notifies me/us about the action taken on this application, or I/we withdraw this application. If you would like a copy of the appraisal report, contact: CalVet Home Loans,1227 O Street Sacramento, CA 95814 CalVet Home Loans,1227 O Street Sacramento, CA 95814

Signature Borrowed

Borrowed Date

Signature Co-Borrowed

Co-Borroweed Date

X. X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES

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 not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.)

1. BORROWED

Borrowed: I do not wish to furnish this information *

Borrowed: Ethnicity: *

Hispanic or Latino
Not Hispanic or Latino

Borrowed: Race: *

American Indian or Alaska Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White

Borrowed: Sex: *

Male
Female

2. CO-BORROWED

Co-Borrowed: I do not wish to furnish this information *

Co-Borrowed: Ethnicity: *

Hispanic or Latino
Not Hispanic or Latino

Co-Borrowed: Race: *

American Indian or Alaska Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White

Co-Borrowed: Sex: *

Male
Female

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