Mortgage Loan Application

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 and use third party identifiers such as chex systems and/or credit bureau reports.

Required Field

Loan Information

Are you applying for joint credit?

What type of mortgage are you applying for?

Purpose of Loan

Is this application for pre-qualification?

Lien Type?

Occupancy

Property Information

Will this be used for improvements?

Refinance

Borrower Information

Housing

Do you own or rent this property?

Have you lived here for two or more years?

Did you own or rent this property?

Marital Status

If you selected "Unmarried" Is there a person who is not your legal spouse but who currently has real property rights similar to those of a legal spouse?

  • If YES, indicate the type of relationship and the State in which the relationship was formed. For example, indicate if you are in a civil union, domestic partnership, registered reciprocal beneficiary relationship, or other relationship recognized by the State in which you currently reside or where the property is located.

Employment Information

Is the borrower employed?

Have you worked here for more than two years? (No if unemployed)

Previous Employer

Co-Borrower Information

Housing

Do you own or rent this property?

Have you lived here for two or more years?

Did you own or rent this property?

Marital Status

Employment Information

Is the co-borrower employed?

Have you worked here for more than two years? (No if unemployed)

Previous Employer

Financial Information

Please note: 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. Also self employed borrowers may be required to provide additional documentation such as tax returns and financial statements. (before taxes)

Borrower's Gross Monthly Income

Co-Borrower's Gross Monthly Income

Current Monthly Housing Expenses

Checking or Savings

Please list all checking and savings accounts.

Account

Add Another Account

Stocks & Bonds

Life Insurance

Real Estate

Property

Add Another Property

Miscellaneous Assets

Automobile

Add Another Automobile

Other Assets

  • Description

Current Monthly Payments (Liabilities)

  • Name of Company

Declarations

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

Borrower

Are there any outstanding judgments against you?

Have you been declared bankrupt within the past 7 years?

Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

Are you a party to a lawsuit?

Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer or 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.)

Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes", give details as described in the preceding question.

Are you obligated to pay alimony, child support, or separate maintenance?

Is any part of the down payment borrowed?

Are you a co-maker or endorser on a note?

Are you a U.S. citizen?

Are you a permanent resident alien?

Do you intend to occupy the property as your primary residence?

Have you had an ownership interest in a property in the last three years?

Mixed-Use Property.

If you will occupy the property, will you set aside space within the property to operate your own business? (e.g., daycare facility, medical office, beauty/barber shop)

Manufactured Home.

Is the property a manfuactured home? (e.g., a factory built dwelling built on a permanent chassis)

Type of Property Owned

How the Property Was Held

Co-Borrower

Are there any outstanding judgments against you?

Have you been declared bankrupt within the past 7 years?

Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

Are you a party to a lawsuit?

Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer or 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.)

Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes", give details as described in the preceding question.

Are you obligated to pay alimony, child support, or separate maintenance?

Is any part of the down payment borrowed?

Are you a co-maker or endorser on a note?

Are you a U.S. citizen?

Are you a permanent resident alien?

Do you intend to occupy the property as your primary residence?

Have you had an ownership interest in a property in the last three years?

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 home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may discriminate neither on the basis of this information, nor on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than 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 or surname. If you do not wish to furnish that 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

Ethnicity

Sex

Race

Co-Borrower

Ethnicity

Sex

Race

Acknowledgement & 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 the Loan become delinquent, the Lender, its services, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its 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 defined 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.

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 the above facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.

Disclosures

Loan E-Sign Disclosure

The following disclosure is required by the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act). Please read this E-SIGN Disclosure carefully and keep a copy for your records.

Electronic Delivery of Disclosures and Notices

By following the "Consent Instructions" below, you are consenting to receive disclosures related to your loan application electronically. If you do not consent; we will mail these documents to you. By consenting to electronic delivery of loan disclosures, you agree to provide us with your current email address and update us as to any changes in such information by contacting us at the number or email address listed under contact information.

Requesting Paper Copies

Even after consent, you have the right to receive a paper copy of the disclosures related to your current loan transaction. If you would like to receive a paper copy at no charge, please contact us at the number or email address listed under "Contact Information". Please include your name and mailing address and be sure to state that you are requesting a copy of the disclosures related to your current loan transaction.

Withdrawal of Consent

If after consenting, you wish to withdrawal your consent prior to loan consummation, you can do so by contacting us at the number or email address listed under contact information.

Hardware and Software Requirements

In order to access, view, and retain your account information electronically, you must have:

  • A personal computer or other device which is capable of accessing the Internet.
  • An Internet web browser with capabilities to support a minimum 128-bit encryption.
  • Software which permits you to receive, access, print and save Portable Document format or "PDF" files, such as Adobe Acrobat Reader version 8.0 and above.
  • A valid email address.

Termination/Changes

We reserve the right, in our sole discretion, to discontinue the provision of your account information electronically, or to terminate or change the terms and conditions on which we provide account information electronically. We will provide you with notice of any such termination or change as required by law.

Contact Information

Name: Loan Department
Email Address: Lendingdepartment@mylincoln1st.com
Phone: (973) 335-2213
Lincoln 1st Bank: NMLSR ID: 797187

Consent Instructions

By providing your name and email address below, you consent to receive legal disclosures electronically and to the terms and conditions described above.

Loan Disclosures

Please click each link below to access the up-front disclosures relating to your Mortgage loan application.

If you are applying for an Adjustable Rate Mortgage ("ARM") loan, please click the applicable links below:

  • For all ARM loan applications, please click the following link to access the Consumer Handbook on Adjustable Rate Mortgages ("CHARM Booklet")
  • If you are applying for a one-year ARM loan (rate may change every year), please click the following link to access the ARM Program Disclosure for this loan product. One Year ARM Disclosure
  • If you are applying for a three-year ARM loan (rate may change every three years), please click the following link to access the ARM Program Disclosure for this loan product. Three Year ARM Disclosure
  • If you are applying for a five-one ARM loan (rate may change every year after initial five years), please click the following link to access the ARM Program Disclosure for this loan product. Five-One Year ARM Disclosure
  • If you are applying for a seven-one ARM loan (rate may change every year after initial seven years), please click the following link to access the ARM Program Disclosure for this loan product. Seven-One Year ARM Disclosure
  • If you are applying for a ten-one ARM loan (rate may change every year after initial ten years), please click the following link to access the ARM Program Disclosure for this loan product. Ten-One ARM Disclosure

Type your name in the box below to represent your electronic signature.