Can I Qualify – Living in Middle TN

By filling out this information we are looking at your employment and your debt to income ratio. We are also trying to determine based on your answers the best loan type suited for you. Based on this answer we will match you with several lenders that we feel will give you the best loan program and interest rate for what you will need. From there, that lender will talk to you about your credit. We do not ask for your social security number anywhere in the questions here.

Step 2.
Property Details

Step 3.
Personal Information

Step 4.
Housing Info

Step 5.
Payments / Debts

Step 6.
Employment

Step 7.
Declarations

BUSINESS - Step 1 of 7

Are you currently working with a lender / loan officer? *

Your REALTOR'S Name *

Have You Owned a Home in the Last Three Years?

Do you have a home to sell before you purchase another home? *

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PROPERTY - (If chosen)

Loan Purpose *

Purchase a Home

Estimated Purchase Price - if unknown - List estimated value of what you are looking for

What Approx Monthly Payment are You Wanting? *

Source of Down Payment *

Cash on Hand
Gift from Family
Checking/Savings
Equity on Pending Sale
401K
Loan Program such as THDA or RD

Property You Are Wanting to Purchase *

Single Family Residence
Condominium
Townhouse
2+ Units

Intended Use *

Primary Home
Secondary Home
Investment Home

Construction Type *

Manufactured (Modular or Mobile Home)
Site Built

Number of Units *

Year Property Was Built

New Construction
After 1978
Before 1978

Will you set aside space within the property to operate your own business? *

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PERSONAL INFORMATION

Are you applying for joint credit with a co-borrower? *

How many total borrowers, including yourself, are applying for credit?

The income/assets of a person other than the Borrower (including the borrower’s spouse) will be used for loan qualification.

Borrower 1 - LEGAL First Name *

Borrower 1 - Middle Name *

Borrower 1 - Last Name *

Borrower 1 - Suffix (Jr., Sr., I, II etc.)

Borrower 1 - Email *

Borrower 1 - Date of Birth *

Borrower 1 - Citizenship *

US Citizen
Permanent Resident Alien
Non Permanent Resident Alien

Borrower 1 - Marital Status *

Married
Unmarried (single, divorced, widowed)
Separated

Borrower 1 - If divorced, does your divorce decree state you are to pay child support? *

Yes
No
No Children with this spouse

Borrower 1 - Number of Dependents *

Borrower 1 - List ages of dependents (separated by comma)

Borrower 1 - Cell Phone 1 *

Borrower 1 - Home Phone

If no phone, type 000-0000

Borrower 1 - Work Phone *

If no phone, type 000-0000

Borrower 1 - Work Extension Number

Borrower 1 - Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces? *

Borrower 1 - Currently Serving on Active Duty

Borrower 1 - Expiration Date of Service / Tour?

Borrower 1 - Military Status

Currently retired, discharged, or separated from service
Only period of service was as non-activated member of the Reserve or National Guard
Surviving spouse

CO-BORROWER

Co Borrower - LEGAL First Name

Co Borrower - Middle Name

Co Borrower - Last Name

Co Borrower - Suffix (Jr., Sr., I, II etc.)

Co Borrower - Email

Co Borrower - Date of Birth

Co Borrower - Citizenship

US Citizen
Permanent Resident Alien
Non Permanent Resident Alien

Co Borrower - Marital Status

Married
Unmarried (single, divorced, widowed)
Separated

Co - Borrower - If divorced, does your divorce decree state you are to pay child support?

Yes
No
No Children with this spouse

Co Borrower - Number of Dependents (not listed with Borrower)

Co-Borrower - Age(s) of Dependents: Separate with Comma

Co Borrower - Cell Phone

Co Borrower - Home Phone

If no phone, type 000-0000

Co Borrower - Work Phone

If no phone, type 000-0000

Co Borrower - Work Extension Number

Co Borrower - Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?

Co-Borrower - Currently Serving on Active Duty

Co-Borrowwer - Expiration date of service/tour

Co-Borrower - Military Status

Currently retired, discharged, or separated from service
Only period of service was as non-activated member of the Reserve or National Guard
Surviving spouse

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HOUSING

Borrower 1 - COMPLETE Current Address *

Unit Type

Apartment
Basement
Building
Condo
Department
Modular Home
Single Family Home
Townhome
Zero Lot Line

Unit Number, Suite, Lot, etc.

City *

State *

Zip Code *

Borrower 1 - How Long have you been at this address? *

Borrower 1 - Housing - Own, Rent, etc. *

Borrower 1 - Monthly Housing Amount *

Do Borrower and Co Borrower Currently Live Together? *

Co - Borrower - COMPLETE Current Address

Co - Borrower Unit Type

Apartment
Basement
Building
Condo
Department
Modular Home
Single Family Home
Townhome
Zero Lot Line

Co - Borrower - Unit Number, Suite, Lot, etc.

Co - Borrower - City

Co - Borrower - State

Co-Borrower - Zip Code

Co - Borrower - How Long have you been at this address?

Co- Borrower - Housing - Own, Rent, etc. *

Co-Borrower - Monthly Housing Amount *

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PAYMENTS / DEBT

Borrower 1 - Debt # 1

Borrower 1 - Monthly Payment Amount # 1

Borrower 1 - Estimated Balance - Debt # 1

Borrower 1 - Debt # 2

Borrower 1 - Monthly Payment Amount # 2

Borrower 1 - Estimated Balance - Debt # 2

Borrower 1 - Debt # 3

Borrower 1 - Monthly Payment Amount # 3

Borrower 1 - Estimated Balance - Debt # 3

Borrower 1 - Debt # 4

Borrower 1 - Monthly Payment Amount # 4

Borrower 1 - Estimated Balance - Debt # 4

Borrower 1 - Debt # 5

Borrower 1 - Monthly Payment Amount # 5

Borrower 1 - Estimated Balance - Debt # 5

Borrower 1 - Debt # 6

Borrower 1 - Monthly Payment Amount # 6

Borrower 1 - Estimated Balance - Debt # 6

Borrower 1 - Debt # 7

Borrower 1 - Monthly Payment Amount # 7

Borrower 1 - Estimated Balance - Debt # 7

Borrower 1 - Debt # 8

Borrower 1 - Monthly Payment Amount # 8

Borrower 1 - Estimated Balance - Debt # 8

CO-BORROWER - PAYMENTS / DEBT

Co-Borrower - Debt # 1

Co-Borrower - Monthly Payment Amount # 1

Co-Borrower - Estimated Balance - Debt # 1 (copy)

Co-Borrower - Debt # 2

Co-Borrower - Monthly Payment Amount # 2

Co-Borrower - Estimated Balance - Debt # 2

Co-Borrower - Debt # 3

Co-Borrower - Monthly Payment Amount # 3

Co-Borrower - Estimated Balance - Debt #3

Co-Borrower - Debt # 4

Co-Borrower - Monthly Payment Amount # 4

Co-Borrower - Estimated Balance - Debt # 4

Co-Borrower - Debt # 5

Co-Borrower - Monthly Payment Amount # 5

Co-Borrower - Estimated Balance - Debt # 5

Co-Borrower - Debt # 6

Co-Borrower - Monthly Payment Amount # 6

Co-Borrower - Estimated Balance - Debt # 6

Co-Borrower - Debt # 7

Co-Borrower - Monthly Payment Amount # 7

Co-Borrower - Estimated Balance - Debt # 7

Co-Borrower - Debt # 8

Co-Borrower - Monthly Payment Amount # 8 (copy)

Co-Borrower - Estimated Balance - Debt # 8

Co-Borrower - Debt # 9

Co-Borrower - Monthly Payment Amount # 9

Co-Borrower - Estimated Balance - Debt # 9

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Borrower 1 - Current Employer - Start Date of Current Employment

Borrower 1 - Worked at Current Job Less Than 2 Years? *

Borrower 1 - Name of CURRENT Place of Employment (Will need 2 years employment history.)

Borrower 1 - Current Employer Position / Job Title

Borrower 1 - Current Employer Employer Address 1

Borrower 1 - Current Employer Suite, Lot, Unit, etc. (if any)

Borrower 1 - Current Employer City

Borrower 1 - Current Employer State

Borrower 1 - Current Employer Zip

Borrower 1 - Current Employer Email Address

Borrower 1 - Current Employer Phone Number

Borrower 1 - Current Employer - GROSS Monthly Income (This is income BEFORE any taxes, child support, social security)

Borrower 1 - With My Current Employer This Is:

Foreign Income
Seasonal Income
I receive Military Pay
None of These Apply

Borrower 1 - Current Employer - Base Pay Amount

Borrower 1 - Current Employer - Overtime Amount

Borrower 1 - Current Employer Bonuses (Amount)

Borrower 1 - Current Employer - Commissions Amount

Borrower 1 - Current Employer - Other Income (Amount)

Borrower 1 - Check One

This is my current job.
I am employed by a family member, property seller, real estate agent or other party to this transaction.,
I own my business / self employed.
I am paid by mileage.

Borrower 1 - Additional Income I Receive

Child Support
Alimony
Disability Income
Retirement Income
Social Security Income

Borrower 1 - Amount I Receive (Child Support, Alimony, Disability Income, Retirement Income, Social Security Income)

Borrower 1 - Previous Place of Employment if less than 2 years at current employment

Borrower 1 - Previous Position / Job Title

Borrower 1 - Previous Employer Address

Borrower 1 - Previous Employer Address Suite, Lot or Unit (if Applies)

Borrower 1 - Previous Employer - City, State & Zip

Borrower 1 - Previous Employer - Phone

Borrower 1 - Previous Employer - START DATE

Borrower 1 - Previous Employer - END DATE

Borrower 1 - Previous Place of Employment 2 - if less than 2 years at current employment

Borrower 1 - Previous Position 2 / Job Title

Borrower 1 - Previous Employer 2 - Address

Borrower 1 - Previous Employer 2 - Address Suite, Lot or Unit (if Applies)

Borrower 1 - Previous Employer 2 - City, State & Zip

Borrower 1 - Previous Employer 2 - Phone

Borrower 1 - Previous Employer 2 - Email Address

Borrower 1 - Previous Employer 2 - START DATE

Borrower 1 - Previous Employer 2 - END DATE

CO-BORROWER - EMPLOYMENT

These fields below pertain ONLY to the Co-Borrower. If there is no co-borrower, ignore these fields.

Co-Borrower - Current Employer - Start Date of Current Employment

Co-Borrower - Worked at Current Job Less Than 2 Years? *

Co-Borrower - Name of CURRENT Place of Employment (Will need 2 years employment history.)

Co-Borrower - Current Employer Position / Job Title

Co-Borrower - Current Employer Employer Address 1

Co-Borrower - Current Employer Suite, Lot, Unit, etc. (if any)

Co-Borrower - Current Employer City

Co-Borrower - Current Employer State

Co-Borrower - Current Employer Zip

Co-Borrower - Current Employer Email Address

Co-Borrower - Current Employer Phone Number

Co-Borrower - Current Employer - GROSS Monthly Income (This is income BEFORE any taxes, child support, social security)

Co-Borrower - With My Current Employer This Is:

Foreign Income
Seasonal Income
I receive Military Pay
None of These Apply

Co-Borrower - Current Employer - Base Pay Amount

Co-Borrower - Current Employer - Overtime Amount

Co-Borrower - Current Employer Bonuses (Amount)

Co-Borrower - Current Employer - Commissions Amount

Co-Borrower - Current Employer - Other Income (Amount)

Co-Borrower - Check One

This is my current job
I am employed by a family member, property seller, real estate agent, or other party to this transaction
I own my business / self employed
I am paid by Mileage

Co-Borrower - Additional Income I Receive:

Child Support
Alimony
Disability
Retirement Income
Social Security Income

Co-Borrower - Amount I Receive (Child Support, Alimony, Disability Income, Retirement Income, Social Security Income)

Co-Borrower - Previous Place of Employment if less than 2 years at current employment

Co-Borrower - Previous Position / Job Title

Co-Borrower - Previous Employer Address

Co-Borrower - Previous Employer Address Suite, Lot or Unit (if Applies)

Co-Borrower - Previous Employer - City, State & Zip

Co-Borrower - Previous Employer - Phone

Co-Borrower - Previous Employer - Email Address

Co-Borrower - Previous Employer - START DATE

Co-Borrower - Previous Employer - END DATE

Co-Borrower - Previous Place of Employment 2 if less than 2 years at current employment

Co-Borrower - Previous Position 2 / Job Title

Co-Borrower - Previous Employer 2 Address Suite, Lot or Unit (if Applies)

Co-Borrower - Previous Employer 2 Address

Co-Borrower - Previous Employer 2 - City, State & Zip

Co-Borrower - Previous Employer 2 - Phone

Co-Borrower - Previous Employer 2 - Email Address

Co-Borrower - Previous Employer 2 - START DATE

Co-Borrower - Previous Employer 2 - END DATE

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Borrower 1 - A. Will you occupy this property as your primary residence? *

Borrower 1 - B. If this is a Purchase Transaction, do you have a family relationship or business affiliation with the seller of the property? *

Borrower 1 - C. Are you borrowing any money for this real estate transaction (e.g., money for your closing cost or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? *

Borrower 1 - D-1. Have you, or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this transaction? *

Borrower 1 - D-2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? *

Borrower 1 - E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? *

Borrower 1 - F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? *

Borrower 1 - G. Are there any outstanding judgements against you? *

Borrower 1 - H. Are you currently delinquent or in default on a federal debt? *

Borrower 1 - I. Are you a party to a lawsuit in which you potentially have any personal financial liability? *

Borrower 1 - J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? *

Borrower 1 - K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due? *

Borrower 1 - L. Have you had property foreclosed upon in the last 7 years? *

Borrower 1 - M. Have you declared bankruptcy within the past 7 years? *

Borrower 1 - If you have filed bankruptcy in the last 7 years, please check one below.

Chapter 7
Chapter 11
Chapter 12
Chapter 13

CO-BORROWER - DECLARATIONS

Co-Borrower - A. Will you occupy this property as your primary residence? *

Co-Borrower - B. If this is a Purchase Transaction, do you have a family relationship or business affiliation with the seller of the property? *

Co-Borrower - C. Are you borrowing any money for this real estate transaction (e.g., money for your closing cost or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? *

Co-Borrower - D-1. Have you, or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this transaction? *

Co-Borrower - D-2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? *

Co-Borrower - E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? *

Co-Borrower - F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? *

Co-Borrower - G. Are there any outstanding judgements against you? *

Co-Borrower - H. Are you currently delinquent or in default on a federal debt? *

Co-Borrower - I. Are you a party to a lawsuit in which you potentially have any personal financial liability? *

Co-Borrower - J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? *

Co-Borrower - K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due? *

Co-Borrower - L. Have you had property foreclosed upon in the last 7 years? *

Co-Borrower - If you have filed bankruptcy in the last 7 years, please check one below. *

Chapter 7
Chapter 11
Chapter 12
Chapter 13

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