Mortgage Loan Application

Thank you for choosing United Community Bank. We welcome all residents of the state of Louisiana to apply. Our online application keeps the information you enter completely secure and confidential.

This application process should take approximately 25 minutes, and you will need the following items for yourself and your co-borrower (if applicable):

Driver's License, Passport, Military ID or State ID
U.S. Social Security Number
U.S. Citizenship or Resident Alien Status
Employment and Income Information

Housing Expense Information for the last 2 years
Assets and Liabilities Information with Account Balances
Real Estate Information for Properties You Own
Current Mortgage Information (if applicable)

When you complete this loan application in its entirety your Banker may be able to communicate a preliminary lending decision to you. Your Banker will require documentation to support the employment, income, assets and credit history that you supply.

Important Information About Loan Application Procedures

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. Therefore, when you open a new account, we will ask for your name, address, date of birth, driver's license or other identifying documents that will allow us to identify you.

Our Privacy Policy

Protection of your privacy is important to us. To read more about how we protect your personal information, review our privacy policy and security statement on our website.

Required Field

Loan Information

Are you applying for joint credit?

Loan Amount Purchase Price

Purpose of Loan

Purchase
Refinance
Construction
Cash Out Refinance
Home Improvement
Other

Intended Use of Funds

(i.e. Purchase Lot and Construct Primary Residence, Own Lot Free and Clear and Use as Equity to Construct Home, Make Home Improvements to the Kitchen in Primary Residence)

Construction Loan Information:

Year Lot Acquired Original Cost Amount Existing Lien Present Value of Lot Cost of Improvements Total

Will there be any other new mortgage loans on the property you are buying or refinancing?

Construction Type

Site Build
Manufactured Home

Property Will Be:

First Lien
Subordinate Lien

Type of Property

Primary Residence
Secondary Residence
Investment

Subject Property Information

Property Address City State Zip Code Number of Units Number of Multifamily Affordable Units

Refinance

Year Acquired Original Cost Amount of Existing Liens Purpose of Refinance

Will this be used for improvements?

Yes
No
Improvements have already been made.

Describe Improvements

Borrower Information

First Name Middle Initial Last Name Suffix Social Security Number Birth Date Mother's Maiden Name Primary Phone Number E-mail Address Please do NOT email me important news and updates.

Current Address

Home Address City State Zip Code Mailing address is different than street address.

Mailing Address City State Zip Code

Do you own or rent this property?

Own
Rent
Other
Explain

Monthly Mortgage or Rent Payment

Have you lived here for two or more years?

Previous Home Address City State Zip Code

Did you own or rent this property?

Own
Rent
Other
Explain

Residency Start Date Monthly Mortgage or Rent Payment

Marital Status

Married
Unmarried
Separated

Number of Dependents (Not Listed by Co-Borrower) List Dependents' Ages

Employment Information

(If retired, check employed and complete position information for your last occupation and current gross monthly income.)

Is the borrower employed?

Employed
Not Employed

Employment Start Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

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

Previous Employer

Employment Start Date Employment End Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

Co-Borrower Information

First Name Middle Initial Last Name Suffix Social Security Number Birth Date Mother's Maiden Name Primary Phone Number E-mail Address Please do NOT email me important news and updates.

Current Address

Home Address City State Zip Code Mailing address is different than street address. Mailing Address City State Zip Code

Do you own or rent this property?

Own
Rent
Other
Explain

Monthly Mortgage or Rent Payment

Have you lived here for two or more years?

Previous Home Address City State Zip Code

Did you own or rent this property?

Own
Rent
Other
Explain

Residency Start Date Monthly Mortgage or Rent Payment

Marital Status

Married
Unmarried
Separated

Number of Dependents (Not Listed by Co-Borrower) List Dependents' Ages

Employment Information

(If retired, check employed and complete position information for your last occupation and current gross monthly income.)

Is the co-borrower employed?

Employed
Not Employed

Employment Start Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

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

Previous Employer

Employment Start Date Employment End Date Position or Title Gross Monthly Income Name of Employer Employer's Address City State Zip Code Employer's Phone Number

Financial Information - Assets

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.

Borrower's Other Monthly Income

Other Monthly Income (if any) Income Type

Co-Borrower's Other Monthly Income

Other Monthly Income (if any) Income Type

Check here if you have any additional assets to report, such as, checking and/or savings accounts, real estate, automobile, retirement plans, etc.

Checking or Savings

Please list all checking and savings accounts.

Account

Bank Name Property Address City State Zip Code Account Number Account Balance

 Add Another Account

Stocks & Bonds

Description Total Value

Life Insurance

Face Amount Cash Value

Real Estate - Additional Property

Property Address City State Zip Code Estimated Value

 Add Another Property

Miscellaneous Assets

Vested Interest in Retirement Plan Net Worth of Business Owned

Automobile

Make Model Year Estimated Value

 Add Another Automobile

Other Assets

Description
Total Value

Description
Total Value

 

Financial Information - Liabilities

Current Monthly Housing Expenses

Rent First Mortgage Second Mortgage Hazard Insurance Property Taxes Flood Insurance Home Owners Association Dues Check here if you have any additional liabilities that are not reported on your credit report.

Current Monthly Payments (Not Reported on your Credit Report)

Name of Company
Monthly Payment

 

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

 

Declarations

Borrower

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

Yes
No
Explain

Is any part of the down payment borrowed?

Yes
No
Explain

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

Yes
No
Explain

Are you a U.S. citizen?

Are you a permanent resident alien?

Yes
No
Explain

Co-Borrower

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

Yes
No
Explain

Is any part of the down payment borrowed?

Yes
No
Explain

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

Yes
No
Explain

Are you a U.S. citizen?

Are you a permanent resident alien?

Yes
No
Explain

What else do we need to know about your application?

Credit Report Authorization

As part of processing your application we will request a credit report and use the information contained in it to evaluate your loan application.

By submitting this request I certify everything that I have stated in this application is correct to the best of my knowledge. I understand that you will be relying on the information set forth in this application and will retain this application whether or not it is approved. I authorize you to check my credit and employment history and to answer questions about your credit experience with me.

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.

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

Borrower's Signature Date Co-Borrower's Signature Date