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Mortgage Loan Application Form Template

Streamline your mortgage application process with ease

Are you tired of lengthy and confusing mortgage application processes? This Mortgage Loan Application Form Template is designed to help banks and lenders simplify their operations and efficiently collect loan applications. With this user-friendly template, you can quickly gather essential applicant information, ensure compliance with regulations, and integrate seamlessly with your existing CRM systems. It helps reduce processing time, enhances applicant experience, and provides professional-looking documentation. Discover how this template can optimize your mortgage application workflow today.

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Full legal name
Date of birth
Marital status
Single
Married
Domestic partnership/civil union
Separated
Divorced
Widowed
Prefer not to say
Citizenship status
U.S. citizen
Permanent resident
Non-permanent resident
Prefer not to say
Other
Please Specify:
Email address
Mobile phone number
Current address (street, city, state, ZIP)
Current housing status
Own
Rent
Live with family/friends
Other
Please Specify:
Purpose of loan
Purchase
Refinance (rate/term)
Cash-out refinance
Home equity
Construction
Other/Not sure
Property type
Single-family home
Condominium
Townhouse
Multi-family (2-4 units)
Manufactured/mobile home
Other/Not sure
Intended occupancy
Primary residence
Second home
Investment property
Not sure
Estimated purchase price or current property value (USD)
Desired loan amount (USD)
Planned down payment amount or percentage
Preferred loan term
10 years
15 years
20 years
30 years
Other/Not sure
Are you a first-time homebuyer?
Yes
No
Current employment status
Employed full-time
Employed part-time
Self-employed
Unemployed
Student
Retired
Homemaker
Other
Please Specify:
Current employer name (or business name if self-employed)
Monthly gross income (before taxes, USD)
Total monthly other income amount (USD)
Other income sources
None
Rental income
Alimony/Child support
Social Security/Disability
Pension/Retirement
Investment/Dividend
Gig/Side income
Other
Please Specify:
Total cash/checking/savings balance (USD)
Total retirement/investment accounts balance (USD)
Estimated total monthly debt payments (credit cards, loans, etc., USD)
Bankruptcy or foreclosure in the past 7 years?
Yes
No
Are you obligated to pay alimony or child support?
Yes
No
Property address (if known)
Co-applicant full legal name
Co-applicant email address
Will there be a co-applicant?
Yes
No
I authorize the lender to obtain my credit report and verify my information for this application.
Yes
No
I consent to receive electronic disclosures and communications.
Yes
No
I agree to be contacted by phone, SMS, or email regarding this application.
Yes
No
I certify that the information provided is true and complete to the best of my knowledge.
Yes
No
Type your full legal name as your signature
Signature date
{"name":"Full legal name", "url":"https://www.quiz-maker.com/QPREVIEW","txt":"Full legal name, Date of birth, Marital status","img":"https://www.quiz-maker.com/3012/images/ogquiz.png"}
paper art illustration depicting a mortgage loan application form with elements related to finance and home ownership

When to use this form

Use this form when you need a complete borrower file for a home purchase, refinance, or cash-out. It helps your team collect identity, income, assets, debts, and property details in one place for faster pre-approvals and clear decisions. It fits first-time buyers with W-2 income, self-employed borrowers, and co-borrowers combining funds. If the buyer is applying as a business or for mixed-use property, pair it with the Commercial credit application form to review business credit. If you also offer personal loans, keep data consistent by aligning fields with the Finance application form.

Must Ask Mortgage Loan Application Questions

  1. What is the loan purpose and occupancy?

    This confirms whether the request is a purchase, rate/term refinance, or cash-out, and whether the home will be a primary residence, second home, or investment. It drives eligibility, pricing, and disclosures so you route the file to the right program from the start.

  2. What is the property address, type, and estimated price or value?

    The address and type (single-family, condo, or 24 unit) affect loan-to-value limits, reserve needs, flood checks, and appraisal requirements. An estimated price or value helps you set a realistic loan amount and timeline.

  3. What is your gross monthly income and what are your income sources?

    Separating W-2, self-employment, overtime, commissions, and rental income leads to a correct debt-to-income ratio. Clear income detail reduces conditions and rework during underwriting.

  4. How much do you have for down payment and closing costs, and what are the sources of funds?

    Knowing amounts and sources (savings, gift, retirement, sale proceeds) confirms LTV and compliance with sourcing rules. It also flags whether you need gift letters or asset statements early.

  5. What are your current monthly debts, and do you authorize a credit check?

    Listing credit cards, auto, student loans, and alimony enables an accurate DTI before disclosures. Consent to pull credit, similar to the Customer credit application form, ensures you validate score and trade lines without delays.

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