Loan Application - Sims Mortgage Team

Loan App ID
This loan questionnaire must be completed in full to be received by our loan officers. We do not ask for sensitive information at this stage of the application process. However, this loan assessment does go into a little depth to avoid wasting anyone's time with back and forth emails and phone calls. Please provide accurate information where possible and estimate as close to accurate when you do not have the details at hand. Any questionnaires completed with inaccurate or fake info will simply be discarded.
Credit Authorization*
By checking the "I Agree" box, you are providing consent for ("Sims Mortgage Team", "We", Us") to pull your credit once you have decided to proceed with the proposed loan and provided us with your social security number via a phone call. on a future date yet to be determined.

We do not accept your social security number via email, text, WhatsApp, or any other medium, other than a short phone call to determine your next steps.

The reasoning would be for Pre-Qualification to obtain a mortgage.

BY CHECKING THE BOX BELOW I/WE ACKNOWLEDGE THAT I/WE RECEIVED A COPY OF THIS DISCLOSURE
I Agree
Credit Report Authorization Consent*
Authorization is hereby granted to Calyx Mortgage, Inc., d/b/a Sims Mortgage Team, here-in after referred to as Sims Mortgage Team, to obtain a consumer credit report through a credit reporting agency chosen by Sims Mortgage Team. I understand and agree that Sims Mortgage Team intends to use the consumer credit report for the purposes of evaluating my financial readiness to obtain a loan.

I understand that this credit report will be retained on file at the Sims Mortgage Team office for use only by Sims Mortgage Team staff. This information will not be disclosed to anyone by Sims Mortgage Team without my written consent.

Furthermore, I understand that, should I choose to apply for financing through Sims Mortgage Team, a revised credit report costing an additional fee may be required.

My signature below authorizes the release to the credit reporting agency of financial information which I have supplied to Sims Mortgage Team in connection with such an evaluation. Authorization is further granted to the credit reporting agency to use photostatic reproduction of this form if required to obtain any information necessary to complete my consumer credit report.

CHECKING THE BOX BELOW GRANTS PERMISSION FOR THE RELEASE OF FINANCIAL INFORMATION TO THE CREDIT REPORTING AGENCY AND GRANTS PERMISSION FOR SIMS MORTGAGE TEAM TO OBTAIN A COPY OF YOUR CREDIT REPORT.
I Agree

Agreement To Receive Electronic Communications*
By checking the "I Agree" box, you are providing "Sims Mortgage Team" (Calyx Mortgage, CMI, SMT, "We", Us") consent to communicate with you via email, direct mail, SMS, phone calls for the purpose of securing a home loan and any related matters. You are further granting "Sims Mortgage Team" to periodically send newsletters and other marketing-related material until you opt-out of receiving such future communications.

I Agree
Agreement to Receive Electronic Documents*
By checking the "I Accept" box, you are providing consent for ("Sims Mortgage Team", "We", Us") to provide required disclosures to you electronically.

You understand this agreement applies to all statements and disclosures related to my accounts at Sims Mortgage Team. All disclosures normally required to be made by law, in connection with any service you may have or which you may obtain in the future from Sims Mortgage Team and that Sims Mortgage Team may, from time to time, notify you electronically of the availability of such disclosures and statements in electronic form.

You understand that by agreeing to receive documents electronically, you will not be receiving said statements and disclosures in paper form. Accordingly, you should print or otherwise retain a copy of electronic documents for your records.

You further agree to read all communications from Sims Mortgage Team and respond as required in a timely manner to avoid delays in processing you loan application
I Agree

Agreement For Electronic Storage of Instruments and Documents*
By checking the "I Accept" box, you the undersigned Borrower(s) and their heirs, successors, assigns, and any holder by operation of law of any interest in this instrument hereby acknowledge that all documents relating to the above-referenced Borrower(s), including, without limitation, applications, financial statements, account statements, instruments, resolutions, signature cards, account agreements, loan commitments, promissory notes, allonges, loan extensions, assignments, security agreements, and all records and correspondence relating thereto, whether now existing or created hereafter, may be stored as electronic images and the originals of the electronically stored documents shall be destroyed. The electronic image shall be deemed to serve as the origin of the instrument or document thereafter.

The Borrower(s) hereby agree and stipulate that a printed reproduction of the electronically stored document may be used in place of the original in any litigation, correspondence, or other proceeding requiring the production of the original.

The Borrower(s) hereby agree and stipulate that the paper original of the electronically stored document is deemed to have been destroyed on the date the document was electronically imaged and stored and that Calyx Mortgage, Inc. was entitled to enforce the paper instrument at the time the paper instrument was destroyed.
I Agree

Usa Patriot Act Information Disclosure*
Important Information About Application Procedures

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer.

What this means to you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

BY CHECKING THE BOX BELOW I/WE ACKNOWLEDGE THAT I/WE RECEIVED A COPY OF THIS DISCLOSURE
I Agree

Third Party Services*
By checking the "I Agree" box, you are providing consent for ("Calyx Mortgage", "Sims Mortgage Team", "We", Us") to share your information with other third-party service providers whom we use to facilitate, process, and submit your loan application to closure.

You further agree that all third-party services are paid services for which we collect payment from you and pass the fees on to the third-party service provider.

Appraisal Fees And Services Are Charged As Follows:

- AMC randomly chooses an appraiser who charges a fee to visit the property and give an opinion of value.
- We are not responsible for the outcome of the appraisal report or the value of the opinion.
- Appraisal fees are nonrefundable just because you're not happy about something.
- Any legitimate claims for a refund are not processed by us and are between you and the AMC. We do not offer mediation or debt collection services to obtain a refund for you under any circumstances.

Title Fees And Services Are Charged As Follows:

- If you're buying a home and the title company is chosen by the seller, we will not entertain any conversation about the seller's chosen title company as we have no control over that arrangement.
- If you have the option of choosing your own title company and rejecting our recommended title company, you will be responsible for addressing any and all issues caused by your chosen title company.
- You agree to take full responsibility for delays, rate lock expirations, etc due to decisions outside of our control.

Other Fees and Services As Follows:

- Other fees and services are the sole responsibility of the borrower and are not subject to any action or inaction on the part of our services
- Legal review fees are paid for a third-party review of your documents to protect your best interest
- Notary, recording fees, and other similar fees are necessary to bring your loan to closure and are paid to their respective companies and have nothing to do with us.

BY CHECKING THE BOX BELOW I/WE ACKNOWLEDGE THAT I/WE HAVE FULLY READ AND UNDERSTOOD THE ABOVE TERMS
I Agree

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Referrer URL
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IP Address
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Who Is Your Loan Officer*
Choose a loan officer
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Loan Officer NMLS ID*
NMLS ID
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Loan Officer Email*
Choose a loan officer
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Loan Officer Phone Number*
LO Phone Number
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Loan Officer ID
Loan Type*
Number of Borrowers*

Personal / Contact Information
Name*
First Middle Last
Cell Number*
Enter Borrowers Cell Number
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Cell Number 2
Alt Number
Please enter an alternate number such as spouse, family member, work etc..
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Alt Number 2
Email*
Enter Email Confirm Email

Personal Status Information
Marital Status*
Immigration Status*

Second Borrowers Information
Second Borrowers Name*
2nd Borrower First Name 2nd Borrower Middle Name 2nd Borrower Last Name
Second Borrowers Cell Number*
Enter Second Borrowers Cell Number
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Second Borrowers Cell Number 2
Second Borrowers Email*
Enter Email Confirm Email

Third Borrowers Information
Third Borrowers Name*
3rd Borrower First Name 3rd Borrower Middle Name 3rd Borrower Last Name
Third Borrowers Cell Number*
Enter Third Borrowers Cell Number
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Third Borrowers Cell Number 2
Third Borrowers Email*
Enter Email Confirm Email

Fourth Borrowers Information
Fourth Borrowers Name*
4th Borrower First Name 4th Borrower Middle Name 4th Borrower Last Name
Fourth Borrowers Cell Number*
Enter Fourth Borrowers Cell Number
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Fourth Borrowers Cell Number 2
Fourth Borrowers Email*
Enter Email Confirm Email

How Did You Hear About Us
How Did You Hear About Us*
Keyword Searched*
Please enter the keyword you used to find our website
Referred By*
Prefix First Last
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Email of Person Who Referred You To Us
Please enter the email address of the person who referred you to us so that we may send them a "Thank You" email.
Enter Email Confirm Email
Referrers Phone Number
Please provide a valid phone number for the person who referred you to us
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Referrers Phone Number 2
Referral Comments*
Please help us understand how you heard of us. This helps us reduce wasteful advertising and promotion which in turn allows us to reduce our overheads, and pass on the savings to you, our client

Current Residence Information
Current Housing Situation*
Duration At Current Residence*
Current Address*
Current City*
Current State*
Current Zip*

Previous Residence Information
Previous Housing Situation*
Duration At Previous Residence*
Previous Address*
Previous City*
Previous State*
Previous Zip Code*
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Total Residency Duration
Other Previous Addresses
List Other Previous Addresses in the Last Three Years

Current Employment Information
Current Employers Name*
The name of the company where you are currently employed
Designation / Title / Position*
What is your current title/position or designation
Current Employment Status*
Current Monthly Gross Income*
Current Employment Start Date*
MM slash DD slash YYYY
Current Employment End Date*
MM slash DD slash YYYY
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Current Employment Duration
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How Long In Current Employment / Position
Current Employment Additional Comments
Additional comments about current employment

Previous Employment Details
Previous Employer #1*
What is the name of the previous employer?
Previous Designation #1 / Title / Position*
What is your previous title/position or designation
Previous Employment #1 Type*
Previous Employment #1 Monthly Income*
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How Long in The Previous #1 Employment / Position*
Previous Employment #1 Start Date
MM slash DD slash YYYY
Previous Employment #1 End Date
MM slash DD slash YYYY
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Previous Employment #1 Duration
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Current + Previous Employment #1 Duration

Previous Employment #2 Details
Previous Employer #2*
What is the name of the previous employer?
Previous Designation #2 / Title / Position*
What is your previous title/position or designation?
Previous Employment #2 Type*
Previous Employment #2 Monthly Income*
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How Long in The Previous #2 Employment / Position*
Previous Employment #2 Start Date
MM slash DD slash YYYY
Previous Employment #2 End Date
MM slash DD slash YYYY
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Previous Employment #2 Duration
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Current + Previous Employment #1 + #2 Duration

Other Sources of Income
Do You Have Other Sources of Income*
Income Source #1*
Enter the name of the company or source of income
Income Source #1 Amount*
How much do you earn monthly from this source
Income Source #2
Income Source #2 Amount*
How much do you earn monthly from this source?
Income Source #3
Income Source #3 Amount*
How much do you earn monthly from this source?
Income Source #4
Income Source #4 Amount*
How much do you earn monthly from this source?
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Total Other Income

Subject Property Details
Details of property to be financed
Have You Identified a Property*

Subject Property Details
Details of property to be financed
Property Condition*
What best describes the property condition?
Subject Property Type*
What best describes the property type?
Subject Property Use*
What best describes the properties use-case
Subject Property Purchase Price*
How much is the subject properties expected purchase price
Please enter a number from 100000 to 5000000.
Subject Property Appraised Value*
What is the subject properties professionally appraised value
Please enter a number from 50000 to 5000000.
Appraisal Report Available*
Is the appraisal report available
Subject Purchase Property Address*
Subject Purchase Property City*
Subject Purchase Property State*
Subject Purchase Property Zip Code*
Subject Refinance Property Address*
Address of the property you wish to refinance
Subject Refinance Property City*
Subject Refinance Property State*
Subject Refinance Property Zip Code*

Current Mortgage Information
Purchase Date Of Property*
This is the date you originally purchased the property.
MM slash DD slash YYYY
Current Interest Rate*
This the current interest rate you are paying on the existing mortgage.
Current Mortgage Balance*
This is the amount you currently owe with your existing mortgage lender.
Please enter a number from 0 to 1000000.
Current Monthly Mortgage Payment (PI)
Enter the total amount of your monthly mortgage payment NOT including taxes and insurance
Please enter a number from 0 to 30000.
Do You Currently Escrow*
Select "Yes" if your monthly mortgage payment includes escrow for taxes
How Much Is Your Annual Property Tax*
This is the amount you pay in property taxes to the county.
Please enter a number from 1000 to 100000.
How Much Is Your Annual PMI*
This is the mortgage insurance you pay (PMI)
Please enter a number from 0 to 12000.
Monthly HOA Dues
Enter the total amount of your monthly HOA dues
Please enter a number from 0 to 1000.
Monthly Home Owners Insurance
Enter the total amount of your monthly homeowners insurance
Please enter a number from 0 to 1000.
Do You Have a Second Mortgage*
Do you have a second mortgage on your existing property which you wish to refinance?
How Much Is Your Second Mortgage Balance?*
Please state the outstanding balance on the second mortgage on the property you wish to refinance
Please enter a number from 5000 to 900000.
Second Mortgage Monthly Payment*
Please state how much you pay each month on your second mortgage
Please enter a number from 5000 to 900000.
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Total Loan to Re-Finance
This the new balance which will be financed with a new lender

Property Title Details
How Many People Recorded on Property Title*
Please select how many other individuals are on title for the property
Spouses Name*
Prefix First Last
Name of 1st Other Person on Title*
Prefix First Last
Name of 2nd Other Person on Title*
Prefix First Last
Name of 3rd Other Person on Title*
Prefix First Last
Name of 4th Other Person on Title*
Prefix First Last
Name of 5th Other Person on Title*
Prefix First Last
Additional Title Holders
Please enter the first and last name of each additional title holder beyond the above named

Mortgage Refinance Requirements
Refinance Loan Purpose*
Select the option which best describes your reason to refinance.
Desired Refinance Loan Term*
Choose the loan term which best fits your needs.
Desired Refinance Rate Type*
Choose the rate type which best fits your needs.
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Refinance LTV %
This your new loan to value (Pre-Calculated)
The Last Time Loan Was Refinanced*
The date when mortgage was last refinanced. If never select todays date.
MM slash DD slash YYYY

Cash Out Loan Refinance Requirements
Cash-Out Refinance Loan Purpose*
Select the option which best describes your reason for a cash-out refinance.
Desired Cash-Out Refinance Loan Term*
Choose the loan term which best fits your needs
Desired Cash-Out Rate Type*
Choose the rate type which best fits your needs.
The Last Time Loan Was Refinanced*
The date when mortgage was last refinanced. If never select todays date.
MM slash DD slash YYYY
Cash Out Amount Desired*
This is the extra cash you wish to add to your existing principal balance
Please enter a number from 10000 to 2000000.
Total Cash Out Loan to Finance*
This the new balance which will be financed with a new lender
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Cash-Out Refi Title Cost Estimate
This is an rough estimate of your title costs - (Divide by 2 if Title less than 4 years old)
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Cash Out LTV %
This your new loan to value (Pre-Calculated)

Home Purchase Loan Requirements
First Time Borrower / Buyer*
Select "Yes" if this is your first home purchase in your name. Else choose "No"
Purchase Time Frame*
Please indicate how ready you are with your purchase.
Purchase Contract Signed*
Have you already signed a purchase contgract?
Expected Purchase Closing Date*
Date when you expect the home purchase to close by
MM slash DD slash YYYY
Purchase Loan Purpose*
Select the option which best describes your purchase type
Down Payment Available*
State how much money you are comfortably able to put towards your down payment.
Please enter a number from 10000 to 1000000.
Down Payment Source*
What is the primary (Majority) source of your downpayment
Home Purchase LTV
This is automatically calculated based on the purchase price and down payment
Desired Purchase Loan Term*
Choose the loan term which best fits your needs, The lower the term, the higher the monthly payment
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Total Purchase Loan Amount
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Purchase Loan Title Cost Estimate
This is an rough estimate of your title costs - (Divide by 2 if Title less than 4 years old)

Current Financial Commitments
Monthly Rent / Mortgage Payment*
How much are you paying for rent or mortgage for your current residence?
Please enter a number from 0 to 20000.
Monthly Home / Renters Insurance*
How much are you paying for home or renters insurance?
Please enter a number from 0 to 1000.
Total Monthly Car Payments*
How much are you paying for all cars in your name?
Please enter a number from 0 to 1000.
Monthly Car Insurance*
How much are you paying for car insurance?
Please enter a number from 0 to 1000.
Total Monthly Life / Health Insurance*
How much are you paying for life and health insurance?
Please enter a number from 0 to 10000.
Monthly Child Support & Alimony*
How much are you paying for child support and alimony?
Please enter a number from 0 to 10000.
Monthly Utilities Payments*
How much are you paying for light, heat, water, and other utilities and residential services?
Please enter a number from 0 to 5000.
Monthly Living Expenses*
How much are you paying for food, clothing, and living expenses?
Please enter a number from 0 to 10000.
Monthly Entertainment Expenses*
How much are you paying for entertainment and leisure activities?
Please enter a number from 0 to 5000.
Total Student Loan Debt*
How much do you owe in total student loan debt?
Please enter a number from 0 to 300000.
Total Credit Card Debt*
How much do you owe in total credit card debt?
Please enter a number from 0 to 100000.
Total Other Debts*
How much do you owe in total for other debts not mentioned so far?
Please enter a number from 0 to 100000.
Monthly Student Loan Repayments*
How much are you paying towards student loan debt?
Please enter a number from 0 to 10000.
Monthly Credit Card Debt Repayments*
How much are you paying towards your credit card debt?
Please enter a number from 0 to 10000.
Other Monthly Expenses*
How much are you paying for other miscellaneous monthly expenses not already accounted for?
Please enter a number from 0 to 5000.
Proof of Funds*
Can you provide proof of seasoned funds with last two months of bank statements?
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Total Living Expenses
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Total Debt
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DTI - Front End
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DTI - Back End
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PITI

Financial History
Credit Score Profile*
Select the credit score profile which best matches your current credit score
Exact Credit Score*
What was your exact FICO credit score the last time you checked
Please enter a number from 300 to 850.
# Late Mortgage Payments in Last 12 months*
How many late mortgage or rent payments have you made in the last 12 months?
Bankruptcys in last 7 years*
Have you filed for, or declared bankruptcy protection in the last 7 years?
Any Foreclosure in the Past 3 Years?*
Have been subject to a foreclosure or deed in lieu of foreclosure?
Can You Show Proof of Income*
Can you clearly and simply show proof of income for the past two years?

Active / Previous Military*
Are you currently, or have in the past served in the armed forces or DOD?
Are You Working With A Realtor*
Are you currently working with a realtor the purchase or sale of a home?
Sims Mortgage Team would like to thank you for your service and sacrifice to help keep the United States and the World a safer place.

Your Realtors Information
Realtors Brokerage/Company Name*
Name of Realtor*
Please complete your realtors name
Prefix First Last
Realtors Phone Number*
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Realtors Phone Number 2
Realtors Email*
Enter Email Confirm Email

Additional Comments / Feedback

Desired Document Upload Method
Please choose from the following online drives where you will be required to upload all supporting documents. If you do not choose an option then storage will default to "OneDrive"
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Document Upload Folder
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Document Upload Folder Link
I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for. No application is processed without written approval from myself

I hereby also understand that processing home loans is a complex and time-consuming process and that "Sims Mortgage Team" aka Simran Patel (MLO NMLS # 955654) is not responsible for delays or misrepresentations made by the lender/s and/or broker/s with whom the loan is processed through.

I also agree to keep this strictly professional and confidential, and not make any representations of rates offered to me to any party whom I refer.

I also agree that nothing in life is free and that there is no such thing as "Free Closing Costs". I understand that closing costs are 3rd party costs, and are not associated with "Sims Mortgage Team" aka Simran Patel (MLO NMLS # 955654)

I understand I can pay these upfront, or on the backend by way of adding them to the principal as determined by the lender.

Lastly, I acknowledge that I don't work for free, and nor do I expect any member of the "Sims Mortgage Team" to work for free. For this reason, I agree to not make false claims of rates offered by other lenders and waste anyone's time in the process.
Please click and download the CFPB Home Loan Toolkit for your reference.
Home Loan Toolkit
I hereby certify and acknowledge that I have received a copy of ‘Your Home Loan Toolkit" via the link provided above during the application process.

The Home Loan Toolkit is a step-by-step guide’ to helping you make better choices along your path to owning a home.

I Have Received "YHLTK"

Terms And Conditions of Service*
I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for. No application is processed without written approval from myself

I hereby also understand that processing home loans is a complex and time-consuming process and that "Sims Mortgage Team" aka Simran Patel (MLO NMLS # 955654) is not responsible for delays or misrepresentations made by the lender/s and/or broker/s with whom the loan is processed through.

I also agree to keep this strictly professional and confidential, and not make any representations of rates offered to me to any party whom I refer.

I also agree that nothing in life is free and that there is no such thing as "Free Closing Costs". I understand that closing costs are 3rd party costs, and are not associated with "Sims Mortgage Team" aka Simran Patel (MLO NMLS # 955654).

I understand I can pay this upfront, or on the backend by way of adding them to the principal as determined by the lender.

Lastly, I acknowledge that I don't work for free, and nor do I expect any member of the "Sims Mortgage Team" to work for free. For this reason, I agree to not make false claims of rates offered by other lenders and waste anyone's time in the process.
I Agree

Privacy Policy and Consent*
Calyx Mortgage, Inc. d/b/a Sims Mortgage Team recognizes the importance of protecting the confidentiality and security of information that you may choose to provide to us online. We have adopted this Online Privacy Policy to tell you how we collect, store, and use that information.

Why We Need Information About You:
We need to know information about you for us to provide you with the mortgage loan products and services you have requested through Sims Mortgage Team’s website. If applying online, that information may include your address, phone number, date of birth, social security number, income, employment, and other personal and financial information necessary to meet investor requirements.

How We Obtain Information About You:
Most of the information we need to know we collect from you. We also may need to obtain information about you and the proposed transaction from other sources such as consumer reporting agencies, your employer, your bank, and others to make sure that the information is complete and correct. Additionally, when you browse or visit our website, we may store certain information on your computer. This information or “cookies” facilitates website navigation, tailors the website to your individual preferences, and saves you time when you return to the Sims Mortgage Team website. For example, if a program on the website requires a user ID and/or password, you may have the option of requesting that we save your user ID so you won’t have to enter it the next time you visit the website. A cookie accomplishes this. Cookies and other technologies provide Sims Mortgage Team with the capability to monitor the use of our website so we can continually improve the design and functionality to better serve you. Cookies do not contain or capture unencrypted personally identifiable information.

How We May Use or Share Your Information:
We use the online information you provide or we collect to process your request for services, products, or information; to facilitate your online activities, and to improve our customer service. We may share some of the information we collect about you with third parties, like companies performing services on our behalf, companies providing services or products pursuant to your request, or otherwise as permitted by law. If Sims Mortgage Team shares your information with a company contracted to provide services on our behalf, they are required to protect customer information and only use the information for the purpose of providing the requested services. We do not sell your information. We may also release your information to others when we believe, in good faith, that such release is reasonably necessary to (i) comply with the law, (ii) protect the rights, property, or safety of Secure or its employees, or (iii) help prevent fraud, money laundering, terrorism, or other crimes.

How We Protect Your Information:
Sims Mortgage Team restricts access to the information obtained from our website to our employees and contractors. We maintain physical, electronic, and procedural safeguards to protect your non-public personal information. Online applications are maintained on a secure server (Note SSL on website address). While we strive to protect your personal information, we do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an e-mail.

Linking to Other Sites:
We may provide links to the websites of other companies. If you choose to link to these websites, we are not responsible for the privacy or security of these websites, including the accuracy, completeness, reliability, or suitability of their information. We recommend you carefully review the privacy policies of any website requesting your information.

Questions:
If you have any questions regarding our Online Privacy Policy, please contact us at:
Mailing Address: 2245 Texas Drive, Suite 300, Sugar Land, TX 77479
E-mail address: [email protected]
Telephone: +1(346)932-1197

We reserve the right, at any time, to add to, change, update or modify our privacy policy simply by posting such change, update, or modification on Sims Mortgage Team’s website to be effective immediately upon posting.
I Agree

Texas Mortgage Company Disclosure*
Assigned licensed loan originator authorized by Calyx Mortgage, Inc. d/b/a Sims Mortgage Team NMLS #ID 2035595 will submit your loan application to a participating lender or we will make your loan ourselves. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent.

We will be compensated in compliance with Section 1026.36(d) of Regulation Z (12.C.F.R.§ 1026.36(d))
(if applicable). Pursuant to Section 156.004(b) and 156.102 of the Residental Mortgage Loan Company Licensing and
Registration Act, Chapter 156, Texas Finance Code, you are hereby notified of the following:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND
SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705.

COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED
BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS.

A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PA
I Agree
Phone
This field is for validation purposes and should be left unchanged.

Loan Qualification Questionnaire

Personal / Contact Information

Personal Status Information

Second Borrowers Information

Third Borrowers Information

Fourth Borrowers Information

How Did You Hear About Us

Current Residence Information

Previous Residence Information

Current Employment Information

Previous Employment Details

Previous Employment #2 Details

Other Sources of Income

Subject Property Details

Subject Property Details

Current Mortgage Information

Property Title Details

Mortgage Refinance Requirements

Cash Out Loan Refinance Requirements

Home Purchase Loan Requirements

Current Financial Commitments

Financial History

Your Realtors Information

Why People Choose Us

Dedicated Team Per Loan

Fast Closings

Success Stories Rating

Our Client Testimonial