Home Equity Application

Required fields are marked with an
Loan Amount
Required
Number of Months (Term):
Invalid Input
Purpose Of the Loan
Invalid Input

Borrower Information

Please click this box if you intend to apply for joint credit
First Name
Required.
Middle Name
Invalid Input
Last Name
Required
Date Of Birth (mm / dd / yyyy)
Required
Marital Status
Invalid Input
Social Security Number
Required
Email Address
Required
Primary Phone
Required
Secondary Phone
Invalid Input

Address

Street
Required
Street Line 2
Invalid Input
City
Required
State
Required
Zip
Required

Co-Borrower Information

First Name
Invalid Input
Middle Name
Invalid Input
Last Name
Invalid Input
Date of Birth (MM/DD/YYYY)
Required
Marital Status
Invalid Input
Social Security Number
Invalid Input
Email address
Invalid Input
Primary Phone
Invalid Input
Secondary Phone
Invalid Input

Address

Street
Invalid Input
Street Line 2
Invalid Input
City
Invalid Input
State
Invalid Input
Zip
Invalid Input


This application is designed to be completed by the applicant(s) with the lenders 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:



Invalid Input


Borrower Employment Information

Employer Address

Employer
Invalid Input
Position / Title
Invalid Input
Monthly Income
Invalid Input
Self Employed ?
Invalid Input

Years and months at this job ?
Years
Invalid Input
Months
Invalid Input
Years In This Profession
Invalid Input



Street
Invalid Input
City
Invalid Input
State
Invalid Input
Zip
Invalid Input
Business Phone
Invalid Input
Other Income
Invalid Input

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

Co-Borrower Employment Information

Employer Address

Employer
Invalid Input
Position / Title
Invalid Input
Monthly Income
Invalid Input
Self Employed ?
Invalid Input

Years and months at this job ?
Years
Invalid Input
Months
Invalid Input
Years In This Profession
Invalid Input



Street
Invalid Input
City
Invalid Input
State
Invalid Input
Zip
Invalid Input
Business Phone
Invalid Input
Other Income
Invalid Input

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


Declarations

If you answered Yes to any questions A - F use the addiional informastion sheet and the bottom of this section. Questions A-I are required BORROWER
DECLARATION
CO-BORROWER
DECLARATION
A) Are there any outstanding judgements against you ? Required Required
B) Have you been declared bankrupt within the past 7 years ? Required Required
C) Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years ? Required Required
D) Are you a party to a lawsuit ? Required Required
E) Have you directly or indirectly been obligated to 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.) Required Required
F) Are you presently delinquent or in default of any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes," give details as described in the preceding question. Required Required
G) Are you obligated to pay alimony, child support, or separate maintenance? Required Required
H) Is any part of the down payment borrowed? Required Required
I) Are you a co-maker or endorser on a note? Required Required
J) Are you a U.S. Citizen? Required Required
K) Are you a permanent resident alien? Required Required
L) Do you intend to occupy the property as your primary residence? If "Yes," complete question "M" below. Required Required
M) Have you had an ownership interest in a property in the last three years? Required Required
(1) If Yes, What type of property did you own ? Invalid Input Invalid Input
(2) How did you hold title to the home ? Invalid Input Invalid Input



Please enter any additional questions and comments below
Invalid Input




NOTICE TO THE HOME LOAN APPLICANT
In connection with your application for a home loan, the lender must disclose to you that score that a consumer-reporting agency distributed to users and the lender used in connection with your home, and the key factors affecting your credit scores. The credit score is a computer-generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit-scoring technologies change. Because the sore is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another. If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application. Equifax 800-685-111 Trans Union 800-888-4213 Experian 888-397-3742 P.O. Box 740256 P.O. Box 2000 P.O. Box 2104 Atlanta, GA 30374 Chester, PA 19022 Allen, TX 75013

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask 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.

APPRAISAL NOTIFICATION
We may order an appraisal to determine the property's value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.

To find a Housing Counselor, please visit the Consumer Financial Protection Bureau to locate the counselors nearest you.

Acknowledgement

By submitting this application, I/We certify that this information is correct and has been supplied truthfully, accurately and voluntarily. I/We authorize First Security Bank to investigate our creditworthiness, credit history, employment history, and financial responsibility through any credit bureau, checking with my/our employers, or by any other reasonable means for consideration for the loan applied for. I/We understand that you will retain this application whether or not it is approved. This application does not constitute a contract for the extension of credit.

I Agree





home-equity