Lending Forms

Following is a short list of the necessary Lending Forms and required government disclosure forms associated with our company lending money to our Borrowers.  To learn more about the forms and government disclosure requirements simply give us a call and we will be happy to answer any question or discuss any form or disclosure with you.

1003 Application

The FNMA 1003 loan application form is the standard real estate mortgage application used by most lenders in the industry.  Our company has chosen to use this form as our company’s formal mortgage application.  Most Borrowers have seen the form in prior transactions and are familiar with the completion of the form.

Borrowers Certification and Authorization

This form is where our Borrower signs giving authorization for our company to obtain loan payoffs, employment verifications and any other necessary contact that requires Borrower authorization.

Equal Credit Opportunity Act Disclosure

This is a federal law requiring lending shutterstock_265574030institutions to provide credit to Borrowers without consideration of race, color or national origin.

 Fair Lending Notice

The California law requiring lending organizations originating real estate loans in California to not discriminate against Borrower applicants in the business of lending on real estate.