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Mortgage Application Form Template

Streamline Your Lending Process with Our Mortgage Application Form

Collecting accurate mortgage application information can be a daunting task. This template is designed to help lenders and real estate professionals quickly gather essential details from applicants, ensuring a smooth application process. With this form, you can easily obtain personal and contact information, property details, and comprehensive income and asset data, all in one organized format. Tailored for efficiency, it simplifies your documentation, accelerates approval times, and provides a clear structure for compliance. Explore how this ready-to-use mortgage application form can enhance your workflow today.

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Full legal name
Email address
Mobile phone number
Date of birth
Social Security Number or Tax ID
Marital status
Married
Separated
Unmarried (single, divorced, widowed)
Prefer not to say
Number of dependents
0
1
2
3
4+
Prefer not to say
Citizenship or residency status
U.S. citizen
Permanent resident
Non-permanent resident
Prefer not to say
Other
Please Specify:
Preferred contact method
Email
Phone call
Text message
Best time to contact you
Morning
Afternoon
Evening
Anytime
Estimated credit score range
300-579 Poor
580-669 Fair
670-739 Good
740-799 Very good
800-850 Exceptional
Not sure
Prefer not to say
Street address
City
State/Province
Postal code
Country
Current housing status
Rent
Own with mortgage
Own free and clear
Living with family/friends
Other
Please Specify:
Monthly housing payment (rent or mortgage)
Time at current address
Less than 2 years
2-5 years
More than 5 years
Employment status
Employed full-time
Employed part-time
Self-employed
Unemployed
Retired
Student
Other
Please Specify:
Employer or business name
Job title or role
Start date at current employer/business
Years in current line of work
Less than 2 years
2-5 years
More than 5 years
Gross monthly income (before tax)
Other monthly income (before tax)
Sources of other income
None
Bonus
Commission
Rental income
Alimony/child support
Pension/Social Security
Investment/Dividend
Other
Please Specify:
Checking and savings total balance
Retirement and investment accounts total balance
Will you use gift funds or grants?
Yes
No
Expected gift or grant amount
Total monthly debt payments (credit cards, loans, etc.)
Any bankruptcies or foreclosures in the past 7 years?
Yes
No
Any outstanding judgments or significant delinquencies?
Yes
No
Loan purpose
Purchase
Refinance (rate/term)
Cash-out refinance
Home equity/HELOC
Construction
Other
Please Specify:
Desired loan term
10 years
15 years
20 years
25 years
30 years
Other
Please Specify:
Intended occupancy
Primary residence
Second home
Investment property
Property type
Single-family residence
Condominium
Townhouse
Multi-family (2-4 units)
Manufactured/Mobile
Other
Please Specify:
Property street address (if known)
Property city (if known)
Property state/province (if known)
Property postal code (if known)
Estimated purchase price
Estimated down payment or available equity
Current mortgage balance (if refinancing)
Cash-out amount requested (if any)
Do you have a property identified?
Yes
No
Will there be a co-applicant?
Yes
No
Co-applicant full legal name
Co-applicant email address
Co-applicant phone number
Relationship to co-applicant
Spouse
Partner
Relative
Friend
Other
Please Specify:
I authorize the lender to obtain my credit report and verify the information provided
Yes
No
I certify that the information provided is true and complete
Yes
No
Signature (type your full legal name)
Signature date
I consent to receive electronic communications and disclosures
Yes
No
Age band (optional)
Under 18
18-24
25-34
35-44
45-54
55-64
65+
Gender identity (optional)
Woman
Man
Non-binary
Prefer to self-describe
Prefer not to say
If you prefer to self-describe your gender, please specify (optional)
How did you hear about us? (optional)
Referral
Real estate agent
Online search
Social media
Advertisement
Other
Please Specify:
{"name":"Full legal name", "url":"https://www.quiz-maker.com/QPREVIEW","txt":"Full legal name, Email address, Mobile phone number","img":"https://www.quiz-maker.com/3012/images/ogquiz.png"}
Paper art illustration depicting a mortgage application form with design elements highlighting FormCreatorAI

When to use this form

Use this form when you are ready to get pre-approved, make an offer, or refinance. Lenders and brokers use it to capture identity, income, assets, debts, and property details in one pass, so they can evaluate eligibility and loan terms. First-time buyers can gather documents with the Mortgage pre-approval checklist form before filling it out. Homeowners who are refinancing can request their current payoff with the Mortgage payoff statement request form to speed up closing. It also fits co-borrowers and investors purchasing a second home or rental, where occupancy and reserves matter. The result: fewer back-and-forth emails, faster review, and a clear decision.

Must Ask Mortgage Application Questions

  1. What is the property address, type, and intended occupancy?

    This verifies the collateral and whether you plan to live in the home, which affects risk, rates, and disclosures. It also confirms if the deal is a primary residence, second home, or investment property.

  2. What is your employment status and gross monthly income (include any co-borrower)?

    Stable income supports your ability to repay and helps calculate debt-to-income ratio. If you run a company, your business credit details may also apply; see the Credit application for business account form.

  3. What are your current debts and monthly payments (loans, cards, child support)?

    This shows your ongoing obligations so the lender can compute DTI and spot potential red flags. High balances or late payments may require documentation or a different loan structure.

  4. How much are you putting down, and where are the funds coming from?

    Down payment size and source (savings, gift, sale of asset) impact loan-to-value, mortgage insurance, and underwriting. Verifying the source helps meet anti-fraud and acceptable funds rules.

  5. Are you purchasing or refinancing, and if refinancing, what is your current loan balance and payoff date?

    Purchase versus refi changes required disclosures, timing, and fees. For refis, providing a current payoff estimate helps the team set the correct loan amount and closing figures.

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