Mortgage Application Form Template for United States

Create a bespoke document in minutes,  or upload and review your own.

4.6 / 5
4.8 / 5

Let's create your Mortgage Application Form

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Get your first 2 documents free

Your data doesn't train Genie's AI

You keep IP ownership of your information

Key Requirements PROMPT example:

Mortgage Application Form

"I need a Mortgage Application Form for a self-employed couple applying for a jumbo loan to purchase a luxury vacation home in Florida, with special attention to business income verification requirements and second-home occupancy clauses."

Document background
The Mortgage Application Form is a crucial document in U.S. residential real estate financing that initiates the formal lending process. It serves as the primary tool for collecting comprehensive information about potential borrowers and the property they wish to finance. Used by lending institutions nationwide, this standardized form ensures compliance with federal regulations while gathering necessary data for underwriting decisions. The form typically includes sections for personal information, employment history, income verification, asset disclosure, and liability declaration. It must comply with various federal laws including the Truth in Lending Act, Real Estate Settlement Procedures Act, and Equal Credit Opportunity Act. The document is designed to be used for various types of mortgage products, including conventional, FHA, VA, and jumbo loans.
Suggested Sections

1. Applicant Information: Primary applicant's personal details including name, DOB, SSN, contact information, and current address

2. Co-Applicant Information: Similar details for any co-applicant(s)

3. Employment Information: Current and previous employment details, including employer names, addresses, positions, duration, and income

4. Income Information: Detailed breakdown of all income sources including salary, bonuses, investments, and other income

5. Property Information: Details about the property being purchased/refinanced, including address, type, intended use

6. Loan Information: Desired loan amount, purpose, term, and type of mortgage being requested

7. Assets and Liabilities: Complete listing of assets (bank accounts, investments, property) and liabilities (loans, credit cards, obligations)

8. Declarations: Standard questions about bankruptcy, foreclosures, lawsuits, and other financial obligations

9. Government Monitoring: Optional demographic information as required by HMDA

10. Acknowledgments and Agreements: Legal statements, certifications of accuracy, and authorization for credit check

11. Signatures: Signature blocks for all applicants and dates

Optional Sections

1. Self-Employment Details: Additional section for self-employed applicants requiring business information and income verification

2. Rental Property Information: For investment property purchases, including current rental income and expenses

3. Military Service Information: Additional section for active duty or veteran applicants seeking VA loans

4. Construction Loan Details: For construction-to-permanent loans, including contractor information and construction plans

5. Gift Letter Section: When part of down payment comes from gift funds, including donor information

6. Trust Information: When property will be held in trust, including trust details and trustees

7. Foreign National Information: Additional documentation requirements for non-US citizens

Suggested Schedules

1. Schedule A - Real Estate Owned: Detailed list of all properties owned, including rental income, mortgage payments, and insurance

2. Schedule B - Assets Detail: Itemized list of all assets with account numbers and institutions

3. Schedule C - Liabilities Detail: Comprehensive list of all debts and obligations

4. Schedule D - Income Verification: Supporting documentation checklist for all income sources

5. Appendix 1 - Credit Authorization: Detailed authorization for credit reports and information verification

6. Appendix 2 - Privacy Notice: Required GLBA privacy notice explaining information sharing practices

7. Appendix 3 - Loan Estimate: Standard form detailing estimated loan terms and costs

8. Appendix 4 - Housing Counseling Resources: Required list of HUD-approved housing counseling organizations

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Relevant legal definitions
Clauses
Relevant Industries

Financial Services

Banking

Real Estate

Insurance

Legal Services

Property Management

Construction

Government Housing

Relevant Teams

Lending

Underwriting

Compliance

Legal

Risk Management

Quality Control

Document Processing

Credit Analysis

Customer Service

Operations

Relevant Roles

Loan Officer

Mortgage Underwriter

Credit Analyst

Compliance Officer

Real Estate Agent

Mortgage Broker

Banking Manager

Risk Assessment Officer

Financial Advisor

Property Appraiser

Legal Counsel

Documentation Specialist

Quality Control Specialist

Branch Manager

Loan Processor

Industries
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

Mortgage Warranty Deed

A U.S. legal document that transfers property ownership while creating a security interest for the mortgage lender.

find out more

Letter Of Explanation For Address Variation

A U.S. formal document explaining differences in reported addresses to maintain regulatory compliance and establish credibility with institutions.

find out more

Rent Verification Letter For Mortgage

A US-compliant formal letter from a landlord verifying a tenant's rental history for mortgage application purposes.

find out more

Remote Letter For Mortgage

A U.S. legal document establishing terms for remote mortgage processes and digital closings.

find out more

Relationship To Borrower Gift Letter

A U.S. legal document verifying that funds provided to a property borrower are a gift and not a loan requiring repayment.

find out more

Loss Mitigation Letter From Mortgage Company

A U.S.-compliant formal communication offering mortgage assistance options to borrowers facing payment difficulties.

find out more

Letter Of Explanation For Mortgage Large Deposit

A U.S. regulatory document explaining the source and nature of significant deposits in mortgage applicants' bank accounts.

find out more

Bailee Letter Mortgage

A U.S. legal document confirming a bailee's acknowledgment of a secured party's interest in held goods or documents under UCC regulations.

find out more

Mortgage Payoff Request Letter

A formal U.S. document requesting the total amount needed to satisfy a mortgage loan, compliant with federal and state regulations.

find out more

Job Correlation Letter For Mortgage

A U.S.-compliant employment verification document used to confirm employment status and income for mortgage lending purposes.

find out more

Housing Loan Letter

A U.S.-compliant formal document from a lender outlining mortgage loan terms and conditions.

find out more

Earnest Money Gift Letter

A U.S. legal document certifying that earnest money funds are a genuine gift with no repayment obligation.

find out more

Request Letter To Bank For Release Mortgage Property

A formal U.S. legal document requesting a bank to release their claim on a property following full mortgage repayment.

find out more

Occupancy Letter For Mortgage

A U.S. legal document where mortgage borrowers declare their intention to occupy the property as their primary residence.

find out more

Gift Of Equity Letter For Mortgage

A U.S. legal document that confirms the transfer of home equity as a gift from seller to buyer, typically used in family property sales.

find out more

Employment Gap Letter For Mortgage

A formal U.S. document explaining employment gaps to mortgage lenders during the loan application process.

find out more

Mortgage Verification Letter

A U.S.-compliant formal document issued by mortgage lenders to verify loan details, terms, and payment status for third-party requests.

find out more

Mortgage Loan Letter

A U.S. regulatory-compliant document outlining mortgage loan terms and conditions between a lender and borrower.

find out more

Home Loan Request Letter

A formal U.S. document requesting a home loan from a lending institution, subject to federal and state lending regulations.

find out more

Reverse Mortgage Deed

A U.S. legal document securing a reverse mortgage loan against a property, enabling senior homeowners to borrow against their home equity.

find out more

Relocation Letter For Mortgage

A U.S.-compliant formal notification to a mortgage lender regarding property relocation and associated mortgage considerations.

find out more

Reinstatement Letter Mortgage

A U.S. legal document that specifies terms and conditions for bringing a defaulted mortgage back to current status.

find out more

Mortgage Default Letter

A U.S. legal notice from a lender to a borrower regarding mortgage payment default and required remedial actions.

find out more

Authorization Letter For Mortgage

A U.S. legal document granting permission to access and process mortgage-related information and documentation.

find out more

Letter To Mortgage Company

A formal written communication from a borrower to their mortgage lender in the US, used for loan-related requests or inquiries.

find out more

Employment Confirmation Letter For Mortgage

A U.S.-compliant formal document verifying employment details for mortgage lending purposes.

find out more

Mortgage Application Form

A U.S.-compliant form for mortgage loan applications that collects applicant information and financial details for lender evaluation under federal regulations.

find out more

Mortgage Agreement Form

A U.S. legal document establishing the terms and conditions of a loan secured by real property, compliant with federal and state lending regulations.

find out more

First Payment Letter Mortgage

A U.S. mortgage document that outlines the borrower's first payment details and ongoing payment obligations.

find out more

Discharge Of Mortgage Form

A U.S. legal document that releases a lender's security interest in a property after full mortgage repayment.

find out more

Mortgage Release Deed

A U.S. legal document that releases a lender's security interest in a property after mortgage satisfaction.

find out more

Hardship Mortgage Letter

A formal U.S. document from a borrower to their mortgage lender explaining financial hardship and requesting payment relief.

find out more

Mortgage Loan Denial Letter

A U.S.-compliant formal notification to mortgage loan applicants explaining why their loan application was denied.

find out more

Paid In Full Letter From Lender

A U.S.-compliant formal document from a lender confirming complete satisfaction of a debt obligation.

find out more

Letter Of Intent For Mortgage

A preliminary U.S. real estate document expressing intent to obtain mortgage financing, outlining proposed terms and conditions.

find out more

Release Of Mortgage Document

A U.S. legal document that officially cancels a mortgage lien after full payment of the loan.

find out more

Payoff Letter From Lender

A U.S. legal document issued by a lender stating the exact amount required to fully satisfy a loan obligation.

find out more

Pre Approval Letter For Mortgage Loan

A U.S. lender-issued document confirming preliminary approval for a mortgage loan up to a specified amount, subject to conditions.

find out more

Gift Letter For Mortgage

A U.S. legal document verifying that funds provided for a mortgage down payment are a gift with no repayment obligation.

find out more

Private Mortgage Loan Agreement

A U.S.-governed agreement establishing terms for a private mortgage loan, including security interest in property and compliance with federal and state lending regulations.

find out more

Offer Letter Mortgage

A formal document issued by a U.S. lending institution stating the terms and conditions of a proposed mortgage loan.

find out more

Mortgage Release Letter

A U.S. legal document issued by a lender confirming full payment of a mortgage and releasing all claims against the property.

find out more

Mortgage Commitment Letter

A legally binding document issued by U.S. lenders confirming their intention to provide a mortgage loan under specified terms and conditions.

find out more

Mortgage Loan Agreement

A U.S. legal agreement establishing terms for a property-secured loan between a lender and borrower.

find out more

Download our whitepaper on the future of AI in Legal

By providing your email address you are consenting to our Privacy Notice.
Thank you for downloading our whitepaper. This should arrive in your inbox shortly. In the meantime, why not jump straight to a section that interests you here: https://www.genieai.co/our-research
Oops! Something went wrong while submitting the form.

Genie’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; Genie’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

Our bank-grade security infrastructure undergoes regular external audits

We are ISO27001 certified, so your data is secure

Organizational security

You retain IP ownership of your documents

You have full control over your data and who gets to see it

Innovation in privacy:

Genie partnered with the Computational Privacy Department at Imperial College London

Together, we ran a £1 million research project on privacy and anonymity in legal contracts

Want to know more?

Visit our Trust Centre for more details and real-time security updates.