Instruction for Filling Out Form 1003 - Uniform Application:

Purchase/Refinance Loans or Credit Lines/Home Equity Loans.

Purchase/Refinance Loans:

1	Complete and sign 3 or 4 page residential loan application Form 1003 and attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use white out.
2	If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
3	If you own rental property, please provide rental agreements and two years tax returns.
4	If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account.
5	Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.
6	If you are requesting a cash out refinance please provide a letter explaining what you plan to do with the proceeds.
7	Provide copy of divorce decree if applicable.
8	If you are NOT a US citizen provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.

Credit Lines/Home Equity Loan:

1	Complete and sign 3 or 4 page residential loan application Form 1003 and attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use white out.
2	If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
3	If you own rental property, please provide rental agreements and two years tax returns.
4	Please provide a copy of the note on your 1st mortgage. This will normally be found in your closing loan documents.
5	Please provide a signed letter explaining what you plan to do with the proceeds.
6	Provide copy of divorce decree if applicable.
7	If you are NOT a US citizen provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.