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Let's Get Started

Answer a few quick questions to begin.

Are you buying or refinancing? *

Do you have a preferred Loan Officer? *

Refinance Property Information

Please provide some information about the property securing your refinance mortgage.

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Do you reside at this property? *

Have you lived here for two (2) or more years? *

How many years have you lived here?

How many months have you lived here?

Total Time at Current Address

What is the estimated value of this property? *

USD

Is there an existing mortgage against this property, or is it owned free-and-clear? *

Does your existing mortgage include an escrow account for property taxes and/or insurance? *

How much do you owe on your current mortgage(s)? *

USD

Purchase Information

Tell us a bit about your purchase goals.

Have you already identified the home you would like to purchase?

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

What is your estimated purchase price? *

USD

How much do you have saved for a down payment? *

USD

Base Loan Amount Calculation

Personal Information

Please provide some information about yourself.

Are you applying alone or together with someone else? *

How many additional applicants would you like to add? *You may add up to 3 additional applicants for a total of 4 applicants.

What is your first name? *

What is your middle name (if applicable)?

What is your last name? *

What is your marital status? *

Are you a U.S. Citizen?

What is your date of birth? *In MM/DD/YYYY format

What is your Social Security Number? *Enter 9-digits with or without dashes.0 / 11

What's the best phone number to reach you at? *Numbers only.0 / 10

What is the best e-mail address for correspondence related to your application? *

Confirm Email Address *

Additional Applicant

Please provide information about the second applicant.

What is your first name? *

What is your middle name (if applicable)?

What is your last name? *

What is your marital status? *

Are you a U.S. Citizen? *

What is your date of birth? *In MM/DD/YYYY format.

What is your Social Security Number? *Enter 9-digits with or without dashes.0 / 11

What's the best phone number to reach you at? *Numbers only.0 / 10

What is the best e-mail address for correspondence related to your application? *

Confirm Email Address *

Residential History

Please provide your residential history for a minimum of the past two years.

We'll begin with your residential history before reviewing residential history for the second applicant.

What is your current address?

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Have you lived here for two (2) or more years?

How many years have you lived here? *

How many months have you lived here? *

Purchase - Total Time at Current Residence (in Months)

Do you own or rent this home? *

How much do you pay in rent? *

USD

A full two-year residential history is required. Please provide additional residential history. What was your previous address?

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

How many years did you reside here? *

How many months did you reside here? *

B1 - Time at Previous Address (in Months)

Did you own or rent this home? *

How much did you pay in rent? *

USD

Residential History (Continued)

Please provide residential history for the second applicant for a minimum of the past two years.

Does this applicant have the same residential history as the first applicant for the past two years? *

What is this applicant's current address?

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Has the applicant lived here for two (2) or more years? *

How many years has the applicant lived here? *

How many months has the applicant lived here? *

B2 - Total Time at Current Address (in Months)

Does the applicant own or rent this home? *

How much does the applicant pay in rent? *

USD

A full two-year residential history is required. Please provide the applicant's previous address(es).

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

How many years did the applicant reside here? *

How many months did the applicant reside here? *

B2 - Total Time at Previous Address (in Months)

Did the applicant own or rent this home? *

How much did the applicant pay in rent? *

USD

Residential History (Continued)

Please provide residential history for the third applicant for a minimum of the past two years.

Does this applicant have the same residential history as the first applicant for the past two years? *

What is this applicant's current address?

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Has the applicant lived here for two (2) or more years? *

How many years has the applicant lived here? *

How many months has the applicant lived here? *

B3 - Total Time at Current Address (in Months)

Does the applicant own or rent this home? *

How much does the applicant pay in rent? *

USD

A full two-year residential history is required. Please provide the applicant's previous address(es).

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

How many years did the applicant reside here? *

How many months did the applicant reside here? *

B3 - Total Time at Previous Address (in Months)

Did the applicant own or rent this home? *

How much did the applicant pay in rent? *

USD

Residential History (Continued)

Please provide residential history for the fourth applicant for a minimum of the past two years.

Does this applicant have the same residential history as the first applicant for the past two years? *

What is this applicant's current address?

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Has the applicant lived here for two (2) or more years? *

How many years has the applicant lived here? *

How many months has the applicant lived here? *

B4 - Total Time at Current Address (in Months)

Does the applicant own or rent this home? *

How much does the applicant pay in rent? *

USD

A full two-year residential history is required. Please provide the applicant's previous address(es).

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

How many years did the applicant reside here? *

How many months did the applicant reside here? *

B4 - Total Time at Previous Addresses (in Months)

Did the applicant own or rent this home? *

How much did the applicant pay in rent? *

USD

Your Employment History

Tell us about your current job. You can add more jobs if needed.

What best describes your work situation? *

What is your employer's name? *0 / 75

What is the name of your company? *If your business is a sole proprietorship, enter your name or DBA (if applicable) here.0 / 75

What is your job title? *0 / 75

Company Phone NumberNumbers only. This helps us verify employment, if needed.0 / 10

Do you know the business address? *This helps us verify employment, if needed.

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Have you worked here for 2 years or more? *

Have you been self-employed for 2 years or more?

Start Date *In MM/DD/YYYY. If you do not know the exact date, please provide your best estimate.

How long have you been in this line of work or profession? (This helps when you've changed employers but stayed in the same career field.)

Number of Years *

Additional Months *

How are you paid at this job? *

What is your average monthly net income? *If uncertain, please provide your best estimate and we will review supporting documentation to confirm an exact amount.

USD

What is your hourly rate of pay? *If you receive any differential pay rates, please include only your base hourly rate here for now.

USD

Do you consistently work at least full-time hours (40 hours per week)? *If you ever work less than 40 paid hours per week, please select 'No'.

How many hours do you work per week on average? *Please estimate conservatively.

What is your annual salary? *

USD

Do you consistently work overtime hours? *Select 'No' if you do not have consistent history of receiving overtime pay.

How many hours of overtime do you work per week on average? *Please estimate conservatively.

How long have you been receiving commission pay? *

On average, how much do you receive per month in commissions? *

USD

How long have you been receiving bonuses? *

On average, how much do you receive per month in bonuses? *

USD

How long have you been receiving tips? *

On average, how much do you receive per month in tips? *

USD

Please provide a description for your "other" pay. *0 / 100

How long have you been paid in this manner? *

On average, how much "other" pay do you receive per month? *

USD

Do you currently work a second job? *

Have you worked two (or more) jobs for at least the past 2 consecutive years? *This is important for determining loan options.

Additional Current EmploymentPlease provide any additional current employer(s) below.

What is this employer's name? *0 / 75

What is your job title? *0 / 75

Company Phone NumberNumbers only. This helps us verify employment, if needed.0 / 10

Do you know this employer's address? *This helps us verify employment, if needed.

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Start Date *In MM/DD/YYYY. If you do not know the exact date, please provide your best estimate.

How are you paid with this employer? *e.g. Salary, Hourly, Commission, Tips, Bonuses, etc.0 / 100

How much are you paid per month on average? *Please estimate conservatively.

USD

Previous EmployersPlease provide previous employment history below. We need a cumulative two-year work history.

What is your previous employer's name? *0 / 75

What was your job title? *0 / 75

Company Phone NumberNumbers only. This helps us verify employment, if needed.0 / 10

Do you know this employer's address? *This helps us verify employment, if needed.

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Start Date *In MM/DD/YYYY. If you do not know the exact date, please provide your best estimate.

End Date *In MM/DD/YYYY. If you do not know the exact date, please provide your best estimate.

Employment History (Continued)

Tell us about the second applicant's current job. You can add more jobs if needed.

What best describes your work situation? *

What is the name of your employer? *0 / 75

What is the name of your company? *If your business is a sole proprietorship, enter your name or DBA (if applicable) here.0 / 75

What is your job title? *0 / 75

Company Phone NumberNumbers only. This helps us verify employment, if needed.0 / 10

Do you know the business address? *This helps us verify employment, if needed.

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Have you worked here for 2 years or more? *

Have you been self-employed for 2 years or more? *

Start Date *In MM/DD/YYYY. If you do not know the exact date, please provide your best estimate.

How long have you been in this line of work or profession? (This helps when you've changed employers but stayed in the same career field.)

Number of Years *

Additional Months *

How are you paid at this job? *

What is your average monthly net income? *If uncertain, please provide your best estimate and we will review supporting documentation to confirm an exact amount.

USD

What is your annual salary? *

USD

What is your hourly rate of pay? *If you receive any differential pay rates, please include your base here for now.

USD

Do you consistently work at least full-time hours (40 hours per week)? *If you ever work less than 40 paid hours per week, please select 'No'.

How many hours do you work per week on average? *Please estimate conservatively.

Do you consistently work overtime hours? *Select 'No' if you do not have consistent history of receiving overtime pay.

How many hours of overtime do you work per week on average? *Please estimate conservatively.

How long have you been receiving commission pay? *

On average, how much do you receive per month in commissions? *

USD

How long have you been receiving bonuses? *

On average, how much do you receive per month in bonuses? *

USD

How long have you been receiving tips? *

On average, how much do you receive per month in tips? *

USD

Please provide a description for your "other" pay. *0 / 100

How long have you been paid in this manner? *

On average, how much "other" pay do you receive monthly? *

USD

Do you currently work a second job? *

Have you worked two (or more) jobs for at least the past 2 consecutive years? *This is important for determining loan options.

Additional Current EmploymentPlease provide any additional current employer(s) below.

What is this employer's name? *0 / 75

What is your job title? *0 / 75

Company Phone NumberNumbers only. This helps us verify employment, if needed.0 / 10

Do you know this employer's address? *This helps us verify employment, if needed.

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Start Date *In MM/DD/YYYY. If you do not know the exact date, please provide your best estimate.

How are you paid with this employer? *0 / 100

How much are you paid per month on average? *Please estimate conservatively.

USD

Previous EmployersPlease provide previous employment history below. We need a cumulative two-year work history.

What is your previous employer's name? *0 / 75

What was your job title? *0 / 75

Company Phone NumberNumbers only. This helps us verify employment, if needed.0 / 10

Do you know this employer's address? *This helps us verify employment, if needed.

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

Start Date *In MM/DD/YYYY. If you do not know the exact date, please provide your best estimate.

End Date *In MM/DD/YYYY. If you do not know the exact date, please provide your best estimate.

Additional Sources of Income

Tell us about any additional sources of income we should take into account.

Do you receive any other income that should be included in your application? *e.g. Social Security, Pension, Child Support/Alimony, VA Benefits, etc.

What type of additional income do you receive? *

Rental Income

You will have an opportunity to provide rental income later in the application when disclosing any real estate you own.

How much do you receive monthly from Child Support/Alimony *

USD

How much do you receive monthly in Social Security Benefits? *

USD

How much do you receive monthly from pension(s) and/or non-SSI retirement income? *

USD

How much do you receive annually in Dividends, Interest, and/or Capital Gains Income *

USD

Please provide a description for your "other" additional income. *0 / 100

How much is this income on a monthly basis? *

USD

Additional Sources of Income

Tell us about any additional sources of income we should take into account for the second applicant.

Do you receive any other income that should be included in your application? *e.g. Social Security, Pension, Child Support/Alimony, VA Benefits, etc.

What type of additional income do you receive? *

Rental Income

You will have an opportunity to provide rental income later in the application when disclosing any real estate you own.

How much do you receive monthly from Child Support/Alimony *

USD

How much do you receive monthly in Social Security Benefits? *

USD

How much do you receive monthly from pension(s) and/or non-SSI retirement income? *

USD

How much do you receive annually in Dividends, Interest, and/or Capital Gains Income *

USD

Please provide a description for your "other" additional income. *0 / 100

How much is this income on a monthly basis? *

USD

Assets

In this section, please tell us about your assets that you’ll use as the source of your down payment and closing costs.

Anything more than this will be considered “reserves”, which can help strengthen your application if your credit is on the lower-end, or your income is more modest.

We’ll ask about any real estate you own (if applicable) in the next section.

Where will you source any applicable down payment and closing costs? *

Assets

In this section, please tell us about any financial assets you would like us to consider as part of your application.

Anything more than this will be considered “reserves”, which can help strengthen your application if your credit is on the lower-end, or your income is more modest.

We’ll ask about any real estate you own (if applicable) in the next section.

Where will you source any funds due at closing (if applicable) for this refinance? *

Who is the account holder? *

Is this a checking or savings account? *

What bank is this account with? *0 / 50

Please provide the last four digits of this account.This helps us differentiate between accounts with the same bank.

What is the current balance in this account? *

USD

How much cash on hand do you have saved? *

USD

What are your anticipated sale proceeds from real estate holdings? *

USD

Who will be providing this gift? *0 / 50

How much is the anticipated gift? *

USD

Has the gift already been received? *

Please tell us where these funds are being held. *(e.g. Big Bank account ending in 1111)0 / 100

Gift Funds Not Yet Received

We will make note of this on your application. Please hold off on receiving any gift funds until your Loan Officer has provided exact guidance on the process of documenting gift funds.

Where are your funds being sourced? *(e.g. Sale of a Vehicle, Sale of Stocks or Other Assets, etc.)0 / 100

What is the amount of these funds? *

USD

Real Estate Owned

We'll now review any real estate you own. Please provide information on any real estate that you (or any other applicant) personally own.

Real estate not personally owned (i.e. owned via an entity such as an LLC) should not be included here. Contact us with any questions or concerns.

Do you currently own any real estate? *

Do you or your co-applicant currently own any real estate?

Please provide the following information about any real estate owned:

Who owns this real estate? *

Is this property being sold to source funds to close this transaction? *

Original Purchase Date *In MM/DD/YYYY format. Please provide your best estimate if uncertain.

Property Type *

How is this property used? *

Is this property currently leased? *

How much rent do you receive monthly? *

USD

Street Address *

Apartment, suite, etc

City *

State/Province *

ZIP / Postal Code

Country

What is the estimated value of this property? *

USD

Is this property mortgaged? *

Are property taxes and/or insurance paid from an escrow account? *

Please provide details on any mortgage(s) secured by this property. *(e.g. Mortgaged with Big Bank, account ending in 1111)0 / 150

Declaration Questions

Almost at the finish line! Please answer the following questions regarding your application:

Will you occupy the property securing this mortgage as your primary residence? *

Have you had an ownership interest in another property in the last three years? *

What type of property did you own? *

How did you hold title to this property? *

Are you a co-signer or guarantor on any debt or loan for someone else?e.g. I co-signed for my daughter's auto loan.

Please provide details about the other debt or loan. *e.g. I co-signed on my daughter's auto loan with Big Bank.0 / 150

Are there any outstanding judgments against you? *e.g. I was sued and the court awarded a judgment for $2,000 to the plantiff.

Please provide details about the judgment(s). *e.g. I was sued and the court awarded a judgment for $2,000 to the plantiff.0 / 150

Are you currently delinquent or in default on a Federal debt? *e.g. I owe the IRS $20,000 for back taxes.

Please provide details about this Federal debt. *e.g. I owe the IRS $20,000 for back taxes.0 / 150

Are you a party to a lawsuit in which you potentially have any personal financial liability *e.g. I am being sued in relation to a recent car accident.

Please provide additional details about the lawsuit(s). *e.g. I am being sued in relation to a recent car accident.0 / 150

In the past 7 years, have you declared bankruptcy, had property foreclosed on, completed a pre-foreclosure sale or short sale, or given up the title to a property in lieu of foreclosure? *

Which situation(s) applied to you during the last 7 years?

Please provide a detailed explanation including the property and lender involved. *e.g. I filed for Chapter 11 Bankruptcy in 2020 after going through a short sale of my primary residence in 2019 with Big Bank..0 / 500

Declaration Questions

Now for the second applicant. Please answer the following questions:

Will you occupy the property securing this mortgage as your primary residence? *

Have you had an ownership interest in another property in the last three years? *

What type of property did you own? *

How did you hold title to this property? *

Are you a co-signer or guarantor on any debt or loan for someone else?e.g. I co-signed on my daughter's auto loan.

Please provide details about the other debt or loan. *e.g. I co-signed on my daughter's auto loan with Big Bank.0 / 150

Are there any outstanding judgments against you? *e.g. I was sued and the court awarded a judgment for $2,000 to the plantiff.

Please provide details about the judgment(s). *e.g. I was sued and the court awarded a judgment for $2,000 to the plantiff.0 / 150

Are you currently delinquent or in default on a Federal debt? *e.g. I owe the IRS $20,000 for back taxes.

Please provide details about this Federal debt. *e.g. I owe the IRS $20,000 for back taxes.0 / 150

Are you a party to a lawsuit in which you potentially have any personal financial liability *e.g. I am being sued in relation to a recent car accident.

Please provide additional details about the lawsuit(s). *(e.g. I am being sued in relation to a recent car accident.)0 / 150

In the past 7 years, have you declared bankruptcy, had property foreclosed on, completed a pre-foreclosure sale or short sale, or given up the title to a property in lieu of foreclosure? *

Which situation(s) applied to you during the last 7 years?

Please provide a detailed explanation including the property and lender involved. *e.g. I filed for Chapter 11 Bankruptcy in 2020 after going through a short sale of my primary residence in 2019 with Big Bank.0 / 500

Demographic Information

Pursuant to the federal Home Mortgage Disclosure Act, we must keep demographic records for mortgage applicants. This information helps prevent discriminatory lending by promoting transparency regarding applicants and application decisions.

Your responses to the following questions are voluntary. If you do not feel comfortable providing this information, you may indicate that you do not wish to provide this information.

Which of the following best describes your ethnicity? *

Of what origin?

Please provide a description. *(e.g. Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on)0 / 100

What is your gender? *

What is your race? *

What is the name of your enrolled or principal tribe?0 / 60

Please provide a description. *(e.g. Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.)0 / 60

Please provide a description. *(e.g. Fijian, Tongan, and so on.)0 / 60

Demographic Information - Second Applicant

Pursuant to the federal Home Mortgage Disclosure Act, we must keep demographic records for mortgage applicants. This information helps prevent discriminatory lending by promoting transparency regarding applicants and application decisions.

The second applicant's responses to the following questions are voluntary. If you do not feel comfortable providing this information, you may indicate that you do not wish to provide this information.

Which of the following best describes your ethnicity? *

Of what origin?

Please provide a description. *(e.g. Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on)0 / 100

What is your gender? *

What is your race? *

What is the name of your enrolled or principal tribe?0 / 60

Please provide a description. *(e.g. Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.)0 / 60

Please provide a description. *(e.g. Fijian, Tongan, and so on.)0 / 60

Credit Authorization

To process your mortgage application, we need your permission to obtain your credit report.

Please choose from the following options:

Soft Credit Check

Does not affect your credit score.
Shows credit data with only one bureau for estimate purposes.
Recommended for Pre-Qualification or when you are not concerned about credit score or history.

Full "Hard" Credit Check

Includes a full tri-merged credit report from Equifax, Experian, and Transunion.
Results in a hard inquiry with each bureau that may affect your credit score.
Required for official pre-approval and underwriting approval.

I authorize Imagination Financial (DBA Imagination Realty Network) to obtain a credit report based on my selection. *Soft CheckHard Check

Final Review and Submission

Please review the following statements and provide your acknowledgement/consent where applicable before submitting your application! As always, don't hesitate to reach out with any questions or concerns.

Additional Sources of Income

Rental Income

Additional Sources of Income

Rental Income

Declaration Questions

Declaration Questions

Demographic Information

Demographic Information - Second Applicant

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