Uniform Residential Loan Application - Mortgage Application Form - Complete Borrower & Co-Borrower Sections

Sep 19, 2026

Upload by Jiven

Uniform Residential Loan Application is completed by the applicant(s) with lender assistance, indicating whether each applicant acts as Borrower or Co-Borrower. The form collects information needed to qualify the loan, including mortgage type and loan terms, property address and legal description, purpose of loan, and details for purchase, refinance, or construction scenarios. It also gathers borrower and co-borrower personal data, employment information, and monthly income and combined housing expense details.

LanguageEnglish

CategoryForms

FormatPDF

Pages5

Reading Time2 min

AccessFree to download

Borrower/Co-Borrower Information Requirements

I. Type of Mortgage and Terms of Loan

II. Property Information and Purpose of Loan

III. Borrower Information

IV. Employment Information

V. Monthly Income and Combined Housing Expense Information

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 must also be provided (and the appropriate box checked) when 􀂆 the income or assets of a person other than the Borrower (including the Borrower’s spouse) will be used as a basis for 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 spouse or other person has community 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 application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below): 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 | | 􀂆 Other (explain): | | | $ | | % | | 􀂆 GPM | | 􀂆 ARM (type): | | II. PROPERTY INFORMATION AND PURPOSE OF LOAN | Subject Property Address (street, city, state & ZIP) | | | No. of Units | | --- | --- | --- | --- | | Legal Description of Subject Property (attach description if necessary) | | | Year Built | | Purpose of Loan 􀂆 Purchase | 􀂆 Construction 􀂆 Other (explain): | Property will be: | | | 􀂆 Refinance | 􀂆 Construction-Permanent | 􀂆 Primary Residence 􀂆 Secondary Residence 􀂆 Investment | | Complete this line if construction or construction-permanent loan. | Year Lot
Acquired | Original Cost
$ | Amount Existing Liens
$ | (a) Present Value of Lot
$ | (b) Cost of Improvements
$ | Total (a + b)
$ | | --- | --- | --- | --- | --- | --- | Complete this line if this is a refinance loan. Year Acquired | Original Cost
$ | Amount Existing Liens
$ | Purpose of Refinance | | --- | --- | --- | Describe Improvements Cost: $ 􀂆 made 􀂆 to be made | Title will be held in what Name(s) | Manner in which Title will be held | Estate will be held in:
􀂆 Fee Simple
􀂆 Leasehold (show expiration date) | | --- | --- | --- | | Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain) | | | | Borrower III. BORROWER INFORMATION Co-Borrower | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Borrower’s Name (include Jr. or Sr. if applicable) | | | | | | Co-Borrower’s Name (include 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 | | 􀂆 Married
􀂆 Separated
􀂆 Unmarried (include single, divorced, widowed) | | Dependents (not listed by Co-Borrower) | | | | 􀂆 Married 􀂆 Unmarried (include
􀂆 Separated single, divorced, widowed) | | | | Dependents (not listed by Borrower) | | | | | | | no. | | ages | | | | | | 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

FAQs

How should applicants complete the form regarding Borrower and Co-Borrower?

Applicants complete the form as “Borrower” or “Co-Borrower,” as applicable. If joint credit is intended, Borrower and Co-Borrower agree to apply for joint credit and sign below.

What mortgage and loan details are requested under Section I?

Section I requests the mortgage type selected (VA, Conventional, FHA, USDA/Rural Housing Service, or Other) and key loan terms such as amount, interest rate, number of months, and amortization type (fixed rate or ARM type).

What information is collected about income and housing expenses under Section V?

Section V collects gross monthly income (including base employment income) for Borrower and Co-Borrower, calculates totals, and requests combined monthly housing expense for both present and proposed situations, including rent amounts.

Sep 19, 2026

Upload by Jiven