Secure Mortgage Application
Joe Metzler Team • Cambria Mortgage • NMLS #322798
Step
1
of 10
10
%
What type of mortgage are you applying for?
Purchase a Home
Buying a new property
Refinance
Rate & Term or Cash-Out
Borrower Basic Information
Your
FULL LEGAL
Name (First, MI, Last)
*
Alternate Names
Will there be someone else on the loan?
*
Select
Yes, Joint Credit
No, Individual Credit
If joint, list name(s) of other applicant(s)
Email address
*
Best Phone #
*
2nd best phone #
Current Address
*
City
*
State
*
Zip
*
How long have you lived here? (Years / Months)
Old Address (if at current less than 2 years)
How long did you live there? (Years / Months)
Date of Birth (format mo/da/year)
*
Social Security Number
*
Marital Status
Select
Unmarried
Married
Separated
Citizenship?
Select
US Citizen
Permanent Resident Alien
Non-Permanent Resident Alien
Any dependents?
No
Yes
How many dependents
Their ages
Loan Details
Purchase Information
What is the Purchase Price? (estimate if pre-approval)
$
Down Payment %
Amount of Down Payment $
$
Source of Down Payment
Select One
Checking/Savings
Equity in Pending Sale
Equity in Sold Home
Gift
Stocks and Bonds
Grant
Lot Equity
Cash Borrowed
Trust Funds
Retirement Funds
Secured Loan
Other Type
Property Taxes on New Home? (if known)
$
Are you working with a Realtor?
No
Yes, info below
Please refer a great one
Realtor's Info (Name, Ph#, Email)
Subject Property Information: The home you are buying
Found property?
No (Still Looking)
Yes (address below)
Subject Property Address
City
State
Zip Code
Existing Loan Information
Your Current Monthly Payment is $
$
Does this include escrows?
YES
NO
Your Current Interest Rate? (%)
Current Mortgage Company Name?
Yearly Property Taxes $
$
Home owners insurance $
$
Year Home ORIGINALLY Acquired
Original cost of home $
$
Today's Estimated Value $
$
Estimated Remaining Balance $
$
Do you have PMI?
NO
YES
Have a 2nd Mortgage/Equity Loan?
Select
NO
YES
If yes, how much do you still owe? $
$
Keep or consolidate 2nd mortgage?
n/a
Keep
Consolidate
Basic NEW Loan Information
Type of Loan Requested (if known)
Select
Conventional
FHA
VA
USDA
Jumbo
Advise me
Bank Statement
DSCR
Other
Amortization Term
Select
30 Year Fixed
15 Year Fixed
20 Year Fixed
10 Year Fixed
Other / Adjustable
Estimated Closing Time
Select
30 days
45 days
60 days
90 days
Other
Estimate Loan Amount Needed $
$
Additional Cash Out Options
Do You Want Additional Cash Out?
Select
Refinance existing loan only
Pay off a 1st and 2nd mortgage
Take additional Cash Out
How Much Cash Would You Like?
Subject Property Information - What property are you refinancing
Same as home address?
Yes
No
What property address do you want to refinance?
Address
City
State
Zip Code
Employment & Income
Employer
Employer Address
City
State Zip
Position/Title with Company
Start Date (mo/yr)
How long in this line of work? (Years)
Are you self employed?
No
Yes
Work Phone #
Former Employer (if less than 2 years with current employer)
Former Employer
Former Address
Employment dates (from when to when mo/yr)
Old Income, per
Former Position/Title
Gross Monthly Income (Pre-Tax)
I Make This Much
$
How Often?
Per Hour
Per Week
Per Month
Per Year
Other
I am paid
Select
Salary
Hourly
Commission
Other
Per Week, I work
Select
Full time 40 hours
Full time 32-40 hours
Less than 32-hours
How many hours per week do you average?
Do you have income from any of these other sources?
Alimony • Automobile Allowance • Boarder Income • Capital Gains • Child Support • Disability • Foster Care • Housing or Parsonage • Interest and Dividends • Mortgage Credit Certificate • Mortgage Differential Payments • Notes Receivable • Public Assistance • Retirement (e.g., Pension, IRA) • Royalty Payments • Separate Maintenance • Social Security • Trust • Unemployment Benefits • VA Comp
NOTE:
Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.
No
Yes
Do you have a 2nd job?
No
Yes
2nd Employer
2nd Employer Address
City
State Zip
Position/Title at 2nd company
Start Date (mo/yr)
How long in this line of work? (Years)
Are you self employed at 2nd job?
No
Yes
Work Phone # (2nd Job)
Gross Monthly Income from 2nd Job (Pre-Tax)
I Make This Much
$
How Often?
Per Hour
Per Week
Per Month
Per Year
Other
I am paid
Select
Salary
Hourly
Commission
Other
Per Week, I work
Select
Full time 40 hours
Full time 32-40 hours
Less than 32-hours
How many hours per week do you average?
Assets, Liabilities & Other Properties
Your Assets
Account 1 balance $
$
Name of Bank
Type
Select
Checking
Savings
Money Market
Certificate of Deposit
Investment / Brokerage
Retirement Account
Other
Account 2 balance $
$
Name of Bank
Type
Select
Checking
Savings
Money Market
Certificate of Deposit
Investment / Brokerage
Retirement Account
Other
Account 3 balance $
$
Name of Bank
Type
Select
Checking
Savings
Money Market
Certificate of Deposit
Investment / Brokerage
Retirement Account
Other
All additional accounts $ Type
Stocks and Bonds $ Name of Bank
401(k)/Retirement balance $
$
Net Worth of Businesses Owned $
$
Liabilities
Current 1st Mortgage Co or Landlord Name
Monthly payment $
$
Current 2nd Mortgage Co
Monthly payment $
$
Alimony/Child Support $ per month
$
Estimate all other monthly debt (car loans, student loans, personal loans, and minimum payments on all credit cards)
Do you own any other properties?
NO
YES
Property 1
Address
City
St Zip
Estimated Value $
$
Still Owe $
$
2nd Home, Rental, or Other?
2nd Home
Rental
Other
What do you receive in rent? $
$
Property 2
Address
City
St Zip
Estimated Value $
$
Still Owe $
$
2nd Home, Rental, or Other?
2nd Home
Rental
Other
What do you receive in rent? $
$
Credit History
Credit Rating
Select
Excellent
Good
Fair
Poor
I don't know
Have you seen your credit score recently? What was it?
Select
Over 800
760-799
740-759
720-739
700-719
680-699
600-679
640-659
620-639
600-619
580-599
Below 580
I don't know
Credit Frozen?
*
Select
No
Yes
Please unfreeze your credit right away, and leave it unfrozen for a couple of days so we may process your application.
Ever File Bankruptcy?
Select
No
Yes
If Yes, How long discharged? (Years)
Ever have a foreclosure?
Select
No
Yes
If Yes, How long ago? (Years)
Military Service Information
Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?
No
Yes
If yes, Which service?
Select
Army
Navy
Air Force
Marines
Coast Guard
Space Force
National Guard
Reserves
Other
If discharged, type?
Select
Honorable
General (Under Honorable Conditions)
Other Than Honorable
Bad Conduct
Dishonorable
Entry Level Separation
Medical
Other
Ever have a VA Loan before?
Select
No
Yes
If yes, did you default on a VA loan?
Select
No
Yes
Do you have a current certificate of Eligibility?
Select
No
Yes
Don't Worry About Your COE — We Handle It For You!
As a VA-approved lender, we can usually obtain your Certificate of Eligibility electronically through the VA's system in just minutes — at absolutely no cost to you.
Declarations
A. Will you occupy the property as your primary residence?
*
Select
No
Yes
If yes — Have you had an ownership interest in a property in the last three years?
No
Yes
If yes — What type of property did you own?
Select
(PR) Principal Residence
(SH) Second Home
(IP) Investment property
If yes — How did you hold title to the home?
Select
(S) Solely by yourself
(SP) Jointly with a spouse
(O) Jointly with another person
B. If purchase, do you have a family relationship or business affiliation with the seller?
*
Select
No
Yes
C. Are you borrowing any money for this real estate transaction (closing costs or down payment)?
*
Select
No
Yes
D. Have you, or will you be applying for a mortgage loan on another property on or before closing this transaction?
*
Select
No
Yes
D2. Have you, or will you be applying for any new credit on or before closing this transaction?
*
Select
No
Yes
E. Will this property be subject to a lien that could take priority over the first mortgage lien?
*
Select
No
Yes
F. Are you a co-signor or guarantor on any debt or loan not disclosed on this application?
*
Select
No
Yes
G. Are there any outstanding judgments against you?
*
Select
No
Yes
H. Are you delinquent or in default on a federal debt?
*
Select
No
Yes
I. Are you party to a lawsuit in which you potentially have any personal financial responsibility?
*
Select
No
Yes
J. Have you conveyed title to any property in lieu of foreclosure in the past 7-years?
*
Select
No
Yes
K. Within the past 7-years, have you completed a pre-foreclosure sale or short-sale?
*
Select
No
Yes
L. Have you had a property foreclosed upon in the past 7-years?
*
Select
No
Yes
M. Have you declared bankruptcy in the past 7-years?
*
Select
No
Yes
If yes to M, what type?
Select
Chapter 7 Bankruptcy (Liquidation)
Chapter 13 Bankruptcy (Repayment)
Other
Provide an explanation to any YES questions in the declarations section, other than A:
Government Monitoring & Final Questions
The purpose of collecting this information is to help ensure that all applicants are treated fairly, and that the housing needs of the communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for ethnicity and or more designations for race. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However if you choose not to provide the information, and you have made the application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Government Monitoring Information
Race (check all that apply)
*
White
Black or African American
Asian
Asian Indian
Chinese
Filipino
Japanese
Korean
Vietnamese
Other Asian
American Indian or Alaska Native
Name of enrolled or principal tribe
Native Hawaiian or Other Pacific Islander
Native Hawaiian
Guamanian or Chamorro
Samoan
Other
I do not wish to answer
Ethnicity (check all that apply)
*
NOT Hispanic or Latino
Hispanic or Latino
Mexican
Puerto Rican
Cuban
Other Hispanic or Latino
Gender
*
Please Select
Male
Female
Do not wish to answer
Have a Story To Tell Us?
In a few short sentences, please share any additional information that would help us better understand your situation and goals.
How did you find out about us?
Select
Google / Internet Search
Referral from Friend or Family
Realtor Referral
Previous Client
Social Media
Radio or TV
NextDoor
Facebook
X
Other
FINAL STEP
Borrowers Certification & Authorization
By submitting your mortgage application through our Secure Internet connection: I/We have applied for a mortgage loan with Cambria Mortgage Inc, hereinafter called the lender. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and the assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information. I/We understand and agree that lender reserves the right to verify the information provided on the application with the employer and/or the financial institution. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014. I/We understand this pre-approval request is not to be construed as a complete application for credit and does not obligate the applicant in any way to lender. If desired, applicant may contact lender at anytime to finalize a formal credit application, and receive a Estimate of all closing costs and disclosures. As part of the application process, lender and the mortgage guaranty insurer (if any), 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.
Credit Report Authorization
By submitting this application, you authorize Joe Metzler Team at Cambria Mortgage to obtain a credit report and verify the information you have provided. You understand that this is a preliminary application and that a final credit decision will be made after a full review of your complete application and supporting documentation. All information provided is subject to verification.
Contact Authorization
By submitting this application, you consent and authorize Joe Metzler Team and Cambria Mortgage to contact you using any of the contact methods you have provided, including postal mail, telephone calls, cell phone, text/SMS messages, or email (including the use of automated dialing systems). You understand that you may revoke this consent at any time.
Important Information About Procedures For Opening A New Mortgage Loan Account.
To help the government fight the funding of terrorism and money laundering activities, Federal Law now requires all financial institutions to obtain, verify, and record information that identifies each person who opens a mortgage loan account. What this means to you: When you open a mortgage loan account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act of 2001, implementing customer identification and verification requirements. The information in no way will be used in making the credit decision on your completed application.
I/We have read and agree to the above certification and authorization.
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