A Higher Level of Lending

Loan application - Mini 1003

Loan Amount Requested: $_______________ Interest Rate Requested: _____________
Type of Loan: ___ Fixed Rate ___ GPM ___ ARM ___ Other # of Months _____
Purpose of this loan:
Purchase ___ Primary Residence ___ Conventional
Refinance No cash out ___ Secondary Home ___ FHA
Refinance Cash out ___ Investment Property ___ VA
If refinance, present mortgage balance: $_______________ House Market Value: $_______________
Construction ___ 2nd Mortgage/Line of Credit
Borrower Name: ______________________________ SSN:_____________ DOB:______________
Home Phone:___________________________ Cell Phone:_____________________________
Present Street Address: ________________________ City ______________ State: ____ Zip: _______
Borrower Email Address: ___________________________________________
Number of years at this residence: ____ How do you rate your credit: ___ Excellent ___ Good ___ Fair
Married Separated Unmarried (includes single, divorced, widowed)
If residing less than two years:
Former Address : ______________________________City ___________State_____Zip__________
Number of Years at this residence: ____Own Rent
Co-Borrower Name : _____________________________ SSN:______________DOB:___________
Home Phone:_________________________ Cell Phone:____________________________________
Present Street Address: ________________________ City ______________ State: ____ Zip: _______
Co-Borrower Email Address:__________________________________________
Number of years at this residence: ____ How do you rate your credit: ___ Excellent ___ Good ___ Fair
Married Separated Unmarried (includes single, divorced, widowed)
If residing less than two years:
Former Address : _____________________________City_______________State_____Zip_________
Number of Years at this residence: ____Own Rent
Borrower Employment:
Employer Name:_________________________ Yrs on this Job:_____Yrs Employed/Profession: ____
Self Employed Position/Title:_____________________________ Business Phone:________________
If employed in current position less than 2 years or currently employed in more than 1 position:
Employer Name:_________________________ Yrs on this Job: ____ Monthly Income:$___________
Self Employed Position/Title:_____________________________ Business Phone:________________
Co-Borrower Employment:
Employer Name:_________________________ Yrs on this Job:_____Yrs Employed/Profession: ____
Self Employed Position/Title:________________________ Business Phone:________________
If employed in current position less than 2 years or currently employed in more than 1 position:
Employer Name:_________________________ Yrs on this Job: ____ Monthly Income:$___________
Self Employed Position/Title:________________________ Business Phone:________________
All Western Mortgage, Inc. ~ 8345 W. Sunset Rd. #380
Las Vegas, NV. 89113 ~ Main 702.369.0905 / Fax 877-686-3526

A Higher Level of Lending

Gross Monthly Income:
Borrower:
Co-Borrower: Total:
Base Employment Income $____________ $____________ $____________
Overtime
____________ ____________ ____________
Bonuses
____________ ____________ ____________
Commissions
____________ ____________ ____________
Dividends/Interest
____________ ____________ ____________
Net Rental Income
____________ ____________ ____________
Other Income
____________ ____________ ____________
Total
$____________ $____________ $____________
Combined Monthly Housing Expenses:
Rent $____________
First Mortgage (P&I) ____________
Other Financing (P&I) ____________
Hazard Insurance ____________
Real Estate Taxes ____________
Mortgage Insurance ____________
Homeowner Assoc. Dues ____________
Other ____________
Total Monthly Housing Exp $____________
Other Monthly Installment Payments:
Total $____________
Other Client Comments:_____________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
If the YES box below is checked, Borrower and Co-Borrower acknowledge(s) AWM the right to use
this information to pre-qualify them and authorize AWM to secure their personal credit report(s).
___ YES ___ NO Run my (our) credit report(s) and pre -qualify me (us) for this loan.
SIGNATURE(S): ______________________________ ___________________________
Date _______________

All Western Mortgage, Inc. ~ 8345 W. Sunset Rd. #380

Las Vegas, NV. 89113 ~ Main 702.369.0905 / Fax 877-686-3526

List of Documentation for your Conditional Loan Approval

Page 1 of 4

It is important that you review the list of items below. If you have any questions or do not understand what is
being asked of you, please let us know, as that is quite common. If you have any concerns about being able to
supply any of the documentation in a timely fashion, also please let us know. That will allow us time to figure
out how to resolve the issue.
Please only provide us with copies of the information below and keep all the originals for safekeeping. And
please remember that the sooner you provide the information, the easier / quicker the process will be.
We look forward to serving your financial needs!
2 Year Housing History

If you rent an apartment or through a property management company, please provide a contact number
and name for that company.
If you rented from a private individual, please provide proof of 12 months rent (12 months cancelled
checks, NOT deposit slips)
2 Year Employment History (with address (es), phone number(s), title or position)

If there are gaps in employment, please explain in a signed and dated letter from you.
W-2 or 1099s Most Recent 2 Years (ALL Jobs)
Pay Stubs (covering the most recent month (30 days) of employment)
If retired, Social Security Income and/or Pension Income:
Please provide ALL pages of Social Security award letter and Social Security 1099(if applicable) or a
copy of the bank statement showing the monthly automatic payments into your bank account.
Tax Returns Most Recent 2 Years (personal tax return with ALL schedules attached)
Tax Returns Most Recent 2 Years (business tax returns with all schedules attached, if self employed)
If you are missing your tax return(s) call the IRS (800)829-1040 and request a copy of a transcript.
Proof of Assets (checking, savings, IRA, stocks, etc.) For The Last 2 Months (60days)

Include ALL pages, even if the last page is blank or has no account information
Online printouts are only acceptable if it has your full name, account number, and URL address at the
bottom, no exceptions.
Underwriters will NOT accept on-line print screen copies that do not show all activity covering a 60 day
period.

All Western Mortgage, Inc .8345 W. Sunset Road, Ste. 380. Las Vegas, NV 89113
Phone:702-369-0905 Fax:877-686-3526 E-mail:awashington@allwestern.com

List of Documentation for your Conditional Loan Approval

Page 2 of 4

**VERY IMPORTANT** Federal Law requires the following on all real estate purchases being financed: If
you have any deposits that are only labeled deposit with no indication of the source of deposit you will be
required to provide an image copy from your bank showing the deposit slip and the checks included with that
deposit, along with an explanation regarding that deposit. Any deposit that is identified, such as an employer
auto deposit, US treasury deposit, identified pension deposit, etc. is ok and will not require verification. If
you have any bank to bank transfer, you will be required to provide bank statements that match the transfer out
to the transfer deposited into the other account.
Money cannot be borrowed for real estate transactions, however, some special circumstances apply, i.e.
borrowed funds from a home equity line, gifts from an immediate family member are acceptable and may
require, verification of individual granting the gift, bank account information verifying the funds coming out of
their account and being gifted to you. The above deposit verification will apply to the gift ors bank account as
well.
Gift letter, if applicable

Provide proof of the payment from donor (wire transfer, check, cashiers check)
Provide evidence of available funds from donor(account statement of donor)
Copy of Drivers License & One Other Form Of ID (social security card, passport, resident alien)
ONLY IF APPLICABLE: ALL pages of Divorce decree

If you receive or pay child support, provide divorce decree or legal document showing amount, and the
childrens name and ages.
ONLY IF APPLICABLE: Proof of bankruptcy discharge and ALL pages of bankruptcy schedule

Please also provide a letter of explanation for the derogatory credit (brief explanation of what caused
bankruptcy or old derogatory credit)
If you are married or separated and financing with an FHA loan I will need your

spouses date of birth

social security number
address
ONLY IF APPLICABLE: If you have student loans and do not want them included in your monthly debt:

I need proof that the student loan will be deferred for a minimum of 2 years.
ONLY IF APPLICABLE: If you do not have 3 creditors that have been active and paid on time for 12
months on your credit report, you may need alternative credit/trade lines to qualify.

All Western Mortgage, Inc .8345 W. Sunset Road, Ste. 380. Las Vegas, NV 89113
Phone:702-369-0905 Fax: 877-686-3526 E-mail:awashington@allwestern.com

List of Documentation for your Conditional Loan Approval

Page 3 of 4

Alternative Trade Lines

Proof of 12 months of payments utility companies, insurance companies, or any account that can verify
a minimum of 12 months paid on time activity with no late payments; no exceptions

Documentation required if you currently own one or more properties.

Most recent mortgage statement showing breakdown of payment
HOA Statement or Proof of Payment (if applicable)
If no HOA then letter signed and dated saying there is no HOA at subject property
Proof of Taxes (if information not on the mortgage statementescrowed account)
Proof of Homeowners Insurance (if information not on mortgage statement.escrowed/included with
payment)
Documentation for VA Loan only
1. DD214 or Statement of Service
2. VA certificate of loan eligibility

All Western Mortgage, Inc .8345 W. Sunset Road, Ste. 380. Las Vegas, NV 89113
Phone:702-369-0905 Fax: 877-686-3526 E-mail:awashington@allwestern.com

List of Documentation for your Conditional Loan Approval

Page 4 of 4

DO NOT during the Loan Process:

1. Dont quit your job
2. Dont take any time off of work paid or unpaid, if you are pregnant please inform us so we can plan for
your maternity leave.your mortgage can not fund while you are off work whether vacation or
maternity leave. Please help us plan accordingly!
3. Dont travel and not inform us where you will be and when you are returning.
4. Dont close credit cards
5. Dont open credit cards
6. Dont buy a car or make any large purchases that require a loan, credit inquiry or deplete your bank
account balances.
7. Dont make deposits into your account of more than $100 if you cannot provide evidence of the source.
No cash, no personal checks, no proceeds from the sale of an items (unless you have paperwork to show
proof). Pay checks, expense reimbursement, settlements, IRS refunds, and gift funds are acceptable as
long as you can show a paper trail
8. Dont overdraw any of your accounts
9. Dont move funds from one account to another for any reason.
10. Dont add debt of any type while you are in the mortgage process(gas and groceries only ) until
keys are in your hands or your refinance is complete and recorded.
DOS during the Loan Process

1.
2.
3.
4.
5.

Please pay all your bills on time

Maintain the balances on your credit cardsno new charges (unless we request they be lowered)
Stay employed and do not change jobs.promotions within your company are fine.
Do keep your account balances at or above the amount when you started the loan process
Call us with any questions you may have about anything involving your mortgage process.

All Western Mortgage, Inc .8345 W. Sunset Road, Ste. 380. Las Vegas, NV 89113
Phone:702-369-0905 Fax: 877-686-3526 E-mail:awashington@allwestern.com

CertifiedCreditReporting

CREDIT CARD TRANSACTION AUTHORIZATION

I/We hereby authorize Certified Credit Reporting to charge
the following credit card (s) for charges incurred by (

borrowers name

with Certified Credit Reporting. Please note you credit card statement will reference Certified
Credit.

Visa

MasterCard

American Express

*Discover

*(Only available through LOS)

Name On Card

Date of Birth

Social Security#

Card#

Expiration Date

3 digit code

Billing Address on card

Amount to be charged

$22.75

Report ID Number (completed by loan officer)

Mortgage Reps Account Number (completed by loan officer)

Signature

Date

Print Name

(When completed, fax to your loan officer for submittal)

A Higher Level of Lending

APPRAISAL CREDIT CARD AUTHORIZATION FORM

I, the undersigned agree, understand and authorize All Western Mortgage, Inc. to charge the credit card listed
below for the appraisal that is required for my mortgage transaction. I am aware this appraisal may be ordered
prior to the home inspection completion.
Signature: _____________________________________________________
Cardholder Name: ______________________________________________
Address:

______________________________________________
______________________________________________

Email Address: _________________________________________________

Credit Card Type:
_____ VISA

_____ MASTERCARD

______ AMEX

_____DISCOVER

Credit Card Number: ________ - ________ - ________ - ________

Expiration Date: ________ / ________
Billing Zip Code: _______________

Card Identification Number: ________

I also authorize this card to be used in the event a final inspection on the property is required.

Signature: ________________________________

Date: ____________________

All Western Mortgage, Inc. ~ 8345 W. Sunset Road, Suite 200

Las Vegas, NV. 89113 ~ Main 702.369.0905 / Fax 702.253.7512