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Home Loan Application Form Template

Simplify Your Home Loan Process with This Ready-to-Use Template

Getting accurate information from potential borrowers can be challenging, but you need a reliable way to assess their eligibility for home loans. This home loan application form template is designed for lenders and mortgage brokers looking to streamline the application process and improve data collection. Customize it to fit your needs, ensure compliance with regulations, and capture essential details such as income verification, credit history, and property information, all while providing a straightforward experience for your applicants. Experience seamless onboarding with this template that's ready for you to use instantly.

Use this Template (FREE) Live Preview
Full legal name
Email address
Mobile phone number
Date of birth
Marital status
Single
Married
Domestic partnership/civil union
Separated
Divorced
Widowed
Prefer not to say
Number of dependents
0
1
2
3
4
5+
Current residential status
Renting
Own with mortgage
Own free and clear
Living with family
Other
Please Specify:
Street address
City
State/Province
Postal code
Country
Time at current address
Less than 1 year
1-2 years
3-5 years
6-10 years
More than 10 years
Preferred contact method(s)
Phone call
Text message
Email
Best time to contact you
Morning
Afternoon
Evening
Anytime
Employment status
Employed full-time
Employed part-time
Self-employed
Contractor/Freelancer
Unemployed
Student
Retired
Homemaker
Other
Please Specify:
Employer name (enter N/A if not applicable)
Job title/role (enter N/A if not applicable)
Time in current job
Less than 6 months
6-12 months
1-2 years
3-5 years
6-10 years
More than 10 years
Gross monthly income (before taxes)
Other monthly income (amount, optional)
Sources of other income (optional)
Bonuses
Commission
Rental income
Child support/alimony
Investment/dividends
Pension/retirement
None
Other
Please Specify:
Is any other income likely to continue for at least 3 years?
Yes
No
Estimated liquid assets available for down payment and closing costs
Types of assets you currently hold
Checking
Savings
Money market
Certificates of deposit (CDs)
Stocks/bonds/mutual funds
Retirement accounts (401k/IRA)
Crypto assets
None
Other
Please Specify:
Estimated total monthly non-housing debt payments (credit cards, auto, student loans)
Estimated credit score range
300-579 Poor
580-619 Fair
620-659 Near prime
660-719 Prime
720-759 Very good
760+ Excellent
Not sure
Major credit events in the past 7 years
None
Bankruptcy
Foreclosure
Short sale
Multiple events
Prefer not to say
If applicable, monthly housing payment for other properties
Do you own other real estate?
Yes
No
Purpose of loan
Purchase
Refinance
Home equity/cash-out
Construction
Undecided
Intended property use
Primary residence
Second home
Investment property
Undecided
Property type
Single-family home
Townhouse
Condominium
Multi-unit (2-4 units)
Manufactured/mobile home
Not sure
Other
Please Specify:
Property location (city and state, if known)
Estimated purchase price or current property value
Estimated down payment amount or equity to use
Desired loan amount
Desired loan term
10 years
15 years
20 years
25 years
30 years
Not sure
Interest type preference
Fixed rate
Adjustable rate (ARM)
Either/Not sure
Are you working with a real estate agent?
Yes
No
Target closing timeframe
Less than 30 days
30-60 days
61-90 days
More than 90 days
Not sure
Will you have a co-applicant?
Yes
No
Co-applicant full legal name
Relationship to you
Spouse
Partner
Relative
Friend
Other
Please Specify:
Co-applicant gross monthly income (before taxes)
Co-applicant employment status
Employed full-time
Employed part-time
Self-employed
Contractor/Freelancer
Unemployed
Student
Retired
Homemaker
Other
Please Specify:
Do you have any outstanding judgments or liens?
Yes
No
Are you currently obligated to pay child support or alimony?
Yes
No
Are you a first-time homebuyer?
Yes
No
I certify that the information provided is true and complete to the best of my knowledge.
Yes
No
I authorize the lender to obtain my credit report and verify my information for this application.
Yes
No
Typed signature (enter your full legal name)
Signature date
Additional notes or context (optional)
I consent to receive electronic communications about my application.
Yes
No
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Paper art illustration depicting a home loan application form for FormCreatorAI article

When to use this form

Use this form when you need to collect complete borrower details for a home purchase, refinance, or pre-approval. It helps you qualify first-time buyers, capture co-borrower information, and document self-employed income before you order an appraisal. Loan officers and brokers get the data needed to assess LTV, DTI, and risk, which speeds conditional approvals and reduces follow-up. If you need a fuller lender package, start with the Mortgage application form. For quick triage or pre-qualification, try the Fast track application form. Use it when comparing homes, seeking rate quotes from several lenders, or preparing for closing.

Must Ask Home Loan Application Questions

  1. What property type and occupancy do you intend?

    This sets loan program options and pricing and ensures you follow rules for a primary residence, second home, or investment property. It also flags whether multi-units or short-term rentals could affect underwriting.

  2. What is your estimated purchase price and down payment?

    Together, these define your loan-to-value ratio, which drives eligibility, PMI, and rate tiers. Clear estimates let you pre-approve at the right amount and avoid rework later.

  3. What is your gross monthly income and employment type?

    Knowing if income is salary, hourly, self-employed, or 1099 lets you request the right documents up front. It improves DTI accuracy and speeds verification.

  4. What are your current monthly debts and credit obligations?

    Listing rent or mortgage, auto loans, credit cards, and student loans rounds out DTI and risk. It helps you spot deal breakers early or coach on strategic paydowns.

  5. Do you authorize a credit check and verification of income and employment?

    Consent is required to pull credit and contact employers or providers, which keeps you compliant and avoids delays. If you only need a lightweight check first, route them to a Customer credit application form.

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