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GuideToLenders is not a loan provider but only matches you with lenders that may extend a loan to you. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. There is no guarantee that you will be approved for a loan or that you will qualify for the rates displayed. The offers and rates presented on this website are estimates based on information you submit to us. Your actual rates depend on your credit history, income, loan terms and other factors. Reasonable efforts are made to compile and maintain accurate information. However all loan rates and terms, including APRs, are presented without warranty and are subject to change by the loan providers without notice.
Lenders require you to submit a Mortgage Application, also referred to as a Uniform Residential Loan Application (URLA), when you apply for a loan. The example Loan Application below outlines the information you are required to provide including your summary loan terms as well as detailed information about your income, assets, debts, employment history, residence history and demographic profile. You are also required to declare information about past credit challenges you may have experienced.
The application also includes inputs for your residence history and your expected total monthly housing expense including your mortgage payment, property tax and hazard insurance. It is important to familiarize yourself with this document so that you understand the information you are required to provide when you apply for the loan. This example document shows the new mortgage application form in use as of March 1, 2021. Please note that this document is provided for informational purposes only.