Fillable Printable Uniform Residential Loan Application
Fillable Printable Uniform Residential Loan Application
Uniform Residential Loan Application
Uniform Residential Loan Application
Freddie Mac Form 65 7/05 (rev.6/09) Page 1 of 5 Fannie Mae Form 100
3 7/05 (rev.6/09)
Uniform Residential Loan Application
___________________________________________________________________________________________________________________________________________________________________
This application is designed to be completed by the applicant(s) with the Lender’s assistance. Applicants should complete this form as “Borrower” or “Co-Borrower,” as applicable. Co-Borrower
information m
ust also be provided (and the appropriate box checked) when the income or assets of a person ot her than the Borrower (including the Borrower’s spouse) will be used as a bas is fo r loan
qualification or the income or assets of the Borrower’s spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her
liabilities must be considered because the spou se or other person has communit y property rights pursuant to applicable law and Borrower resides in a community property state, the security property is
located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.
If this is an applica tion for joint credit, B
orrower and Co-Borrower each agree that we intend to apply for joint credit (sign be lo
w):
_________________________________________ _________________________________________
Borrower Co-Borrower
I. TYPE OF MORTGAGE AND TERMS OF LOAN
Mortgage
Applied for:
VA Conventional Other (explain):
FHA USDA/Rural
Housing Service
Agency Case Number Lender Case Number
Amount
$
Interest Rate
%
No. of Months
Amortization Type:
Fixed Rate
GPM
Other (explain):
ARM (type):
II. PROPERTY INFORMATION AND PURPOSE OF LOAN
No. of Units
Subject Property Addres s (street, city, state & ZIP)
Legal Description of Subject Property (attach description if necessary) Year Built
Purpose of Loan Purchase Construction Other (explain):
Refinance Construction-Permanent
Property will be:
Prim
ary Residence Secondary Residence Investment
Complete this line if con struc tion or con st ructi on- pe r manent loan.
Year Lot
Acquired
Original Cost
$
Amount Existin g Liens
$
(a) Present Value of Lot
$
(b) Cost of Improvements
$
Total (a + b)
$
Complete this line if this is a refin ance loan.
Year
Acquired
Original Cost
$
Amount Existin g Liens
$
Purpose of Refinance Describe Improvements
Cost: $
ma
de to be made
Estate will be held in:
Fee Simple
Title will be held in what Name(s)
Manner in which Title will be held
Source of Down Payment, Settlement Charges, and/or Subordinate Financi ng (explain)
Leasehold
(show
expiration date)
Borrower III. BORROWER INFORMATION Co-Borrower
Borrower’s Name (include Jr. or Sr. if applicable)
Co-Borrower’ s Name (includ e Jr. or Sr. if applicable)
Social Security Number Home Phone
(incl. area code)
DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone
(incl. area code)
DOB (mm/dd/yyyy) Yrs. School
Dependents (not listed by Co-Borrower) Dependents (not listed by Borrower) Married Unmarried (include
Separated single, divorced, widowed)
no. ages
Marr
ied Unmarried (include
Separated single, divorced, w
idowed)
no.
ages
Present Address (street, city, state, ZIP) Own Rent ____No. Yrs.
Present Address (street, city, state, ZIP) Own Rent ____No. Yrs.
Mailing Address, if different from Present Address
Mailing Address, if different from Present Address
If residing at present address for less than two years, complete the following:
Former Address (street, city, state, ZIP) Own Rent ____No. Yrs.
Former Address (street, city, state, ZIP) Own Rent ____No. Yrs.
Borrower IV. EMPLOYMENT INFORMATION Co-Borrower
Yrs. on this job Yrs. on this job Name & Addres s of Em ployer Self Employed
Yrs. employed in this
line of work/profe ss ion
Name & Addres s of Em ployer Self Employed
Yrs. employed in this
line of work/profe
ssion
Position/Title/Type of Business
Business P hone (incl. area code) Position/Title/Type of Business
Business Phone (incl. area code)
If employed in current position for less than tw o years or if currently employed in more than one position, complete the following:
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Uniform Residential Loan Application
Freddie Mac Form 65 7/05 (rev. 6/09) Page 2 of 5 Fannie Mae Form 1003 7/05 (rev.6/09)
Borrower IV. EMPLOYMENT INFORMATION (cont’d) Co-Borrower
Dates (from – to) Dates (from – to) Name & Addres s of Em ployer Self Employ ed
Monthly Income
$
Name & Addres s of Em ployer Self Employed
Monthly Income
$
Position/Title/Type of Business Business Phone
(incl. area code)
Position/Title/Type of Business Business Phone
(incl. area code)
Dates (from – to) Dates (from – to) Name & Addres s of Em ployer Self Employ ed
Monthly Income
$
Name & Addres s of Em ployer Self E
mploy ed
Monthly Income
$
Position/Title/Type of Business Business Phone
(incl. area code)
Position/Title/Type of Business Business Phone
(incl. area code)
V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION
Gross
Monthly Income
Borrower
Co-Borrower
Total
Combined Monthly
Housing Expense
Present
Proposed
Base Empl. Income* $ $ $ Rent $
Overtime First Mortgage (P&I) $
Bonuses Other Financing (P&I)
Commissions Hazard Insurance
Dividends/Interest Real Estate Taxes
Net Rental Income Mortgage Insurance
Homeowner Assn. Dues Other (before completing,
see the notice in “describe
other income,” below)
Other:
Total
$ $ $
Total
$ $
* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial st
atements.
Describe Other Income
Notice: Alimony, child support, or separate maintenance income need not be revealed
if the Borrower (B) or Co-Borrower (C) does not choose to have it considered
for repaying thi
s loan.
B/C Monthly Amount
$
VI. ASSETS AND LIABILITIES
This Statement and any applicable supp orting schedules may be co mpleted jointly by b oth married and unmarried Co -Borrowers if their assets and liabiliti es are sufficiently joi ned so that the Stat ement
can be meaningfully and fairly presented on a combined basis; oth erwise, sep arate Statements and Sche dules are requ ired. If the Co-Borrower section was completed about a non-applicant spouse or other
person, this Statement and suppor ting schedules must be completed about that spouse or other person also.
Completed J
ointly Not Jointly
ASSETS
Description
Cash
or
Market Value
Cash deposit toward
purchase held by :
$
Liabilities and Pledged Assets. List the credito r ’s name, add r
ess, and account nu mber for al l outst a ndi ng deb ts , including
automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use
continuation sheet , if necessary. Indicate by (*) those liabiliti es, which will be satisfied upon sale of real estate owned o r
upon refinancing of the s ubject property.
List checking and sa vin gs acc oun ts be low
LIABILITIES Monthly Payment &
Months Left to Pay
Unpaid Balance
Name and address of Bank, S&L , or Credit Union Name and address of Company $ Payment/Months $
Acct. no. $
Acct. no.
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $
Acct. no. $
Acct. no.
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $
Acct. no. $
Acct. no.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Uniform Residential Loan Application
Freddie Mac Form 65 7/05 (rev.6/09) Page 3 of 5 Fannie Mae Form 1003 7/05 (rev.6/09)
VI. ASSETS AND LIABILITIES (cont’d)
Name and address of Bank, S&L, or Credit Union Name and address of Company $ Payment/Months $
Acct. no. $
Acct. no.
Stocks & Bonds (Company name/
number & description)
$ Name and address of Company $ Payment/Months $
Acct. no.
$ Name and address of Company
$ Payment/Months
$
Life insurance net cash value
Face amount: $
Subtotal Liquid Assets
$
Real estate owned (enter market value
from schedule of real estate owned)
$
Vested interest in retirement fund $
Net worth of business(es) owned
(attach financial state ment)
$
Acct. no.
$
Alimony/Child Support/Separate
Maintenance Payments Owed to:
$
Automobiles owne d (make
and year)
$ Job-Related Expense (child care, uni on dues, etc.) $
Other Assets (itemize)
Total Monthly Payments $
$
Total Liabilities b.
$
Total Assets a.
$
Net Worth
(a minus b)
►
Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)
Property Address (enter S if sold, PS if pending sale or R
if rental being held for income)
▼
Type of
Property
Present
Market Value
Amount
of Mortgages
& Liens
Gross
Rental Income
Mortgage
Paym
ents
Insurance,
Main
tenance,
Taxes & Misc.
Net Rental
Income
$ $ $ $
$ $
Totals $ $ $ $
$ $
List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):
Alternate Name
Creditor Name Account Number
VII. DETAILS OF TRANSACTION VIII. DECLARATIONS
Borrower Co-Borrower
a. Purchase price $
If you answer “Yes” to any questions a through i,
please use continuation sheet for explanation.
Yes No Yes No
b. Alterations, improvements, repairs
a. Are there any outstanding judgments against you?
c. Land (if acquired separately)
b. Have you bee n declared bankrupt within the past 7 years?
d. Refinance (incl. debts to be paid off)
c. Have you had property foreclose d upon or given title
or deed in lieu thereof in the last 7 y ears?
e. Estimated prepaid items
d. Are you a party to a lawsuit?
f. E stimated closing costs
g. PMI, MIP, Funding Fee
h. Discount (if Borrower will pay)
i. Total costs (add items a through h)
e. Have you directly or indirectly been obligated on 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, edu
cational 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.)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
IX. ACKNOWLEDGEMENT AND AGREEMENT
Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges
that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in
this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in
criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the
"Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in
this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may
retain the original and/or an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously
rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein
should change prior to closing of the Loan; (8) in the event that my payments on th e Lo an become delinquent, the Lend er, its servicers, successors or assigns may, in addition to an y other rights and
remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies; (9) ownership of the Loan and/or administration of the Loan
account may be tra nsferred with such notice as m ay be require d by law; (10) neither Lender nor i ts agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty,
express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my " electronic signature," as
those terms are d efined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as
effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.
Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or
obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency.
Borrower’s Signature Date Co-Borrower’s Signature Date
X
X
X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing
and ho me mortgage disclosure laws . You are no t requ ired to furnish this in formation, bu t are en couraged to do so . Th e law p rovides that a le nder m ay not discriminate either o n t he bas is of t his
information, or on whether y ou choose to fu rnish it . If y ou fu rnish th e information, p lease provide both ethnicity and race. Fo r race, you may check m ore t han one designation. If you do not furnish
ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not
wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable
state law for the particular type of loan applied for.)
BORROWER
I do not wish to furnish this information
CO-BORROWER
I do not wish to furnish this information
Ethnicity:
Hispanic or Latino
Not Hispanic or Latino
Ethnicity:
Hispanic or Latino
Not Hispanic or Latino
Race:
American Indian or Asian Black or African American
Race:
American Indian or Asian Black or African American
Alaska Native
Alaska Native
Native Hawaiian or White
Native Hawaiian or White
Other Pacific Islander
Other Pacific Islander
Sex:
Female Male
Sex:
Female Male
To be Completed by Loan Originator:
This information was provided:
In a face-to-face interview
In a telephone interview
By the applicant and submitted by fax or mail
By the applicant and submitted via e-mail or the Internet
Loan Originator’s Signature
X
Date
Loan Originator’s Name (print or type)
Loan Originator Identifier
Loan Originator’s Phone Number (including area code)
Loan Origination Company’s Name
Loan Origination Company Identifier
Loan Origination Company’s Address
Uniform Residential Loan Application
Freddie Mac Form 65 7/05 (rev.6/09)
Page 4 of 5 Fannie Mae Form 1003 7/05 (rev.6/09)
VII. DETAILS OF TRANSACTION VIII. DECLARATIONS
Borrower Co-Borrower
j.
Subordinate financing
Yes No Yes
No
If you answer “Yes” to any question a through i, please use
continuation sheet for explanation.
f. Are you presently delinquent or in default on any Federal
debt or any other loan, mortgage, financial obligation, bond,
or loan guarantee?
k.
Borrower’s closing costs paid by
Seller
g. Are you obligated to pay alimony, child support, or
separate maintenance?
h. Is any part of the down payment borrowed?
l.
Other Credits (explain)
i. Are you a co-maker or endorser on a note?
-------------------------------------------------------
m. Loan amount (exclude PMI, MIP,
Funding Fee financed)
j. Are you a U.S. citizen?
n. PMI, MIP, Funding Fee financed
k. Are you a permanent resident alien?
o.
Loan amount
(add m & n)
l. Do you intend to occupy the property as your primary
residence?
If Yes,” complete questi
on m below.
p. Cash from/to Borrower
(subtract j, k, l & o from i)
m. Have you had an ownership interest in a property in the last
three years?
(1) What type of property did you own—principal residence
(PR), second home (SH), or investment property (IP)?
(2) How did you hold title to the home— by yourself (S),
jointly with your spouse (SP), or jointly with another person (O)?
0.00
Uniform Residential Loan Application
Freddie Mac Form 65 7/05 (rev.6/09) Page 5 of 5 Fannie Mae F
orm 1003 7/05 (rev.6/09)
CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION
Borrower: Agency Case Number:
Use this continuation sheet if you need more
space to complete the Residential L oan
Applicati on. Mark B f or Borrower or C for
Co-Borrower.
Co-Borrower: Lender Case Number:
______________________________________________________________________________________________________________________________________________
I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of t he above facts as appl icable under the p rovisions
of Title 18, United States Code, Section 1001, et seq.
Borrower’s Signature
X
Date Co-Borrower’s Signature
X
Date
Fannie Mae Form 1003 Instructions (Form Rev. 6/09, Instructions 12/13) Page 1 of 4
INSTRUCTIONS
Uniform Reside ntial Loan Application
The lender uses this form to record relevant financial information about an applicant
who applies for a conventional one- to four-family mortgage. Roman numerals in
these instructions correspond to the sections on the form.
Lenders must us e the PD F dated 6/09 for mortgage loans applications taken on or
after July 1, 20 10.
Printing Instructions
We prov i de Form 1003 in an electronic format that prints as a letter size document.
However, lenders may pr int Form 1003 as a legal size document or with different
fonts or margins that may affect pagination; we have no specific standards for the
number or size of pages the form may have. Consequently, the number and size of
pages will not affect compliance with Fannie Mae requirements pert aining to use of
the Uniform Residential Loan Application, provided that the content of the form has
not been materially altered. When printing this form, you must use t he "shr i nk to fit"
option in the Adobe Acrobat print dialogue box.
Instructions
The lender may accept applications taken during a face-to-face interview, over the
telephone, through t he mail, or via the Internet. The lender should complete all
blanks and attach any separate exhibits, details, or statements that are relevant to
underwriting the mortgage. The borrower(s) must sign the original application at the
time it is completed. If the application is take n over the telephone or via the Internet,
the borrower(s) must sign the completed application as soon as possible thereafter.
However, an electronic signature or facsimile of the bo rrower's signature is
acceptable as indicated in the "Acknowledgment and Agreement" section of the
application. The lender should retain the original application with the supporting
information provided by the borrower(s). Before or at the lo an closing, the
borrower(s) must sign the final application that the lender prepares based on its
verification of the information that the borrower(s) provided in the original application.
The instructions at the top of Form 1003 are consistent with the permissible
inquiries that creditors ar e allowed to m ake under the Equal Credit Opportunity Act
(ECOA). Although ECOA permits the lender in a community property state to obtain
information regarding the liabilities of a borrower's spouse even though he or she is
not applying for the mortgage and his or her income will not be considered for loan
qualification purposes, we do not require the l ender to obtain the information. This
also means that in states where another person shares community property rights
with the applicant, the lender does not need to include information on that person's
liabilities if he o r she is not an applicant.
Fannie Mae Form 1003 Instructions (Form Rev. 6/09, Instructions 12/13) Page 2 of 4
Note: The following instructions highlight certain sections of the form.
Introductory Statement
We recognize that the intr oductory paragraph of Form 1003 differs slightly from the
introductory paragraph in the Uniform Residential Loan Application found on Freddie
Mac's website, Freddie Mac Form 65. However, because we have determined that
these differences are not material, Fannie M ae will deem either version to comply
with our requirements for use of the Unifor m R esidential Loan Application.
V. Monthly Income and Combined Housing Expense Information
Gross Monthly Income: If the net cash flow for an investment property i s a positive
number , it sho uld be listed as "net rental income." If it is a negative number, it must
be included in the applicant's monthly obligations. If the property is a two- to f our-
unit property for which the applicant occupies one of the units as a principal
residence, the monthly rental income should be lis ted as "net rental income."
Combined Monthly Housing Expense: The present monthly housing expenses for
the borrower and the co- borrower should be listed on a combined basis. The
proposed monthly housing expense for a two- to four-unit property in which the
applicant will occupy a unit as a principal residence should refle ct the monthly
payment (PITIA) for the subject property. For all one- to four-unit investment
properties the present monthly housing expense should reflect the applicant's
principal residence.
VI. Assets and Liabilities
When the borrower's and co-borrower's assets and liabilities are not sufficiently
joined to make a combined statement meaningful, a separate Statement of Assets
and Liabilities (Form 1003A) should be completed for the co-borrower.
VII. Details of Transaction
The purchase price shown on Line "a" under the "Details of Transaction" should not
include any discounts or rebates or other allowances paid or allowed to the
purchaser. For refi nancing, the amount being refinanced should be shown on Line
"d" -- Refinance. The fi g ure should include the total amount of all existing liens plus
the costs of improvements that have been -- or will be -- made. Lines "a", "b" , and "c"
should not be used to describe a refinance transaction.
VIII. Declarations
Noncitizen Applicants: If an applicant indicates in his response to Question J that he is
not a U.S. citizen, and also indicates in his response to Question K that he is not a
permanent resident alien, the lender may wish to ask whether he is a nonpermanent
resident alien or oth erwise is lawfully present in the Un ited States.
Fannie Mae Form 1003 Instructions (Form Rev. 6/09, Instructions 12/13) Page 3 of 4
X. Informa tion for Government Monitoring Purposes
This section is included to aid the federal government in monitoring compliance with
equal credit opportunity, fair housing and home mortgage disclosure laws. Supplying
this information is strictly voluntary on the part of the applicant, but lenders should ask
all applicants to provide it, i nclu ding those who apply by telephone and through the
Internet, and should describe the reason for collecting this data. Race and ethnicity
are separate categories, and although the lender should ask applicants to furnish
information for both, applicants may furnish one but not the other. Note that there is
no longer a place for applicants to indicate race as "Other" but applicants may check
as many races as apply.
The Home Mortgage Disclosure Act and its implementing Regulation C generally
require Lenders to collect se x, race, and ethnicity data on all applications.
When an application is taken in person and an applicant elects not t o provide some
or all of t his information, feder al law requires the lender to note the applicant's sex,
ethnicity, and race on the form, based on the lender's visual observation or the
applicant's surnam e. To aid in identifying applicants who may be of Hispanic ethnicity
and who elect not to sel f-identify, the lender may wish to consult the list of Spanish
surnames developed by the U.S. Bureau of the Census. Furthermore, the lender may
wish to advise the applicant that he may complete or change the information in this
section after the application is approved, at any time up until closing.
To Be Completed B y Interviewer
The interviewer must complete this por t ion of the form to indicate the method used to
take the application and to provide the name and telephone number of the
interviewer, as well as his or her employer's name and address.
To Be Completed By Loan Originator (for PDF dated 06/09 for mortg age loans
applications taken on or after January 1, 2010)
The loan originator must complete this portion of the form to indicate the method used
to take the application and to provide the loan originator's name, ID, and telephone
number, as well as his or her employer's name, company ID, and address.
Continuation Sheet/Residential Loan Application
Lenders may amend this section by including space to evidence intent to apply for
joint credit. Other approaches, such as including this information on a separate
document, are also acceptable to Fannie Mae, provided they meet the requirements
of applicable law. Lenders should consult counsel to determine their alternatives.
Special Notice for Balloon Mortgages
For each balloon mortgage, the lender must insert a special notice regarding the
nature of the balloon f eatures on Form 1003 or in a separate attach men t to the for m .
Fannie Mae Form 1003 Instructions (Form Rev. 6/09, Instructions 12/13) Page 4 of 4
If an attachment is used, the borrower(s) must sign the attachment. The following
language must be inserted, using capital letters:
"THIS LOAN MUST EITHER BE PAID IN FULL AT MATURITY OR REFINANCED TO
A MARKET LEVEL FIXED-RATE MORTGAGE. YOU MUST REPAY THE E NTIRE
PRINCIPAL BAL AN CE OF THE LOAN AND UNPAID INTEREST THEN DUE IF YOU
DO NOT QUALIFY FOR THE CONDITIONAL RIGHT TO REFINANCE AS
SPECIFIED IN THE NOTE ADDENDUM AND MORT GAGE RIDER. THE LENDER IS
UNDER NO OBLIGATION TO REFINANCE THE LOAN IF QUALIFICATION
CONDITIONS ARE NOT MET. YOU WILL, THEREFORE, BE REQUIRED TO MAKE
PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OW N, OR YOU WILL HAVE
TO FIND A LENDER, WH ICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH,
WILLING TO LEND YOU THE MONEY. IF YOU RE F INANCE THIS LOA N AT
MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS
NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN
REFINANCING.”
For California Applications
California Civil Code 1812.30 (j) requires that credit application s clearly specify that
the applicant, if married, may apply for a separate account. This requirement is not
inconsistent with the language at the beginning of Form 1003.
Lenders may revise the description of the "Marr i ed" box i n Sect ion III for Borr owers
and Co-Borrowers by adding "(includes registered domestic partners)." If lenders are
unable to insert the language due to the format of the form, this language may be
added to the continuation sheet or included as an attachment to Form 1003.
