Lien Position (optional)
Any/All (Recommended) 2nd Mortgage Combo: 1st & 2nd
1st Mortgage 3rd Mortgage Combo: 1st & Carry Back
*  Loan Purpose
Purchase Cash Out Takeout (Construction to Permanent)
Rate and Term Refinance Bridge Loan Construction
Debt Consolidation Heloc/Line of Credit Blanket/Cross Collateral
*  Loan Amount
$
         THE PROPERTY   
Occupancy Options   *  Location of Property 
* Applicable Property Type  LTV or CLTV (optional) %
The Borrower
Credit History (optional) 
Credit History Legend
Excellent: No mortgage lates in the last two years; perhaps an isolated 30 day late on either consumer or revolving debt.
Alt- A: Not more than 1 mortgage late in the last 24 months; 1 or 2 thirty-day lates on revolving and/or installment.
Good: Up to two 30-day mortgage lates in the last 24 months; three or four 30-day lates on revolving and or installment.
Fair: Four 30 day lates on mortgage or three 30's and one 60 day late; multiple 30 day lates and isolated 60 to 90 day lates on revolving and installment.
Poor: Multiple 30's on mortgage or two 60's and a 90 all within the last 24 months; 30's, 60's, and 90's, with isolated 120's on revolving and/or installment. Over all poor credit.  Many lates of all kinds, NOD's or currently in foreclosure, recent Bankruptcy, multiple judgments and liens, etc.
 
Credit Score (optional)  Documentation (optional)
Debt-to-Income Ratio (optional) % Number of Trade Lines Established (optional)
Chapter 7 Bankruptcy: Number of Months Old (leave blank if none)
Chapter 13 Bankruptcy: Number of Months Old (leave blank if none)
Foreclosure: Number of Months Old (leave blank if none)
Appraisal Special Features
Drive By Appraisal No Review Appraisal
Stated Value Value After Improvements
Loan Special Features
No Form 4506 Required No Reserves Required
No Verification Of Funds Necessary Gifts Funds O.k.
2nd That Allows A Private Contract First Section 32 O.k.
No Mortgage Insurance Required No Seasoning For Funds To Close
No Prepayment Penalty Less Than 12 Months Seasoning For Refi, (appraised Value)
Prepayment Penalty Buydown Available Interest Only Loan
Negative Amortization Available Less Than 2 Years Employment, Self Employed
Non Recourse Loan Lease Optioned Property, (refinance)
Recorded Land Contract Unrecorded Land Contract
Non Arms Length Transaction Accepted Less Than 12 Months Seasoning, (Purchase
Price Value)
2nd That Allows A Neg-am 1st
Credit Special Features
Consumer History Only Rolling Lates Treated As One
Mortgage History Only Bankruptcy May Remain Open, Ch. 13
Chapter 13 Bankruptcy From Filing Date Will Use Highest Credit Score
Currently In Foreclosure (bailout) No Minimum Score Required
Borrower With NO Credit Score Score Only, No History
Borrower Special Features
Non-owner Occupant Co-borrower Borrower Is A Corporation
Borrower Is A Church Borrower Is A Partnership Or Trust
First Time Home Buyer Allowed Borrower Is A Foreign National
Non-permanent Resident Alien Borrower Owns 5 Plus Properties
Wage Earner Stated
Property Special Features
Attached, (common Walls) Single Use/special Purpose, (commercial)
Contract For Deed, (installment Sales Contracts) Leasehold Property Allowed
Less Than 2 Years Employment, Wage Earner Lease Optioned, (exercise The Option)
Over 5 Acres Rural Property Allowed
Manufactured Home Older Than 15 Years Manufactured Home Not On
Permanent Foundation
Manufactured Home Single Wide Acceptable No Seller Seasoning, (purchases)
Non-warrantable Condo Highrise Condo
Manufactured In Park