APPLICATION FORM

Thank you for your interest in applying for a loan with our company. Before applying for a loan with us, make sure that you searched our site to find out if we are currently lending in your state or your loan request meets our minimum loan requirements. If you have not researched our site to find out if we do loans in your state or if you meet our min. loan requirements, please click here.

If you are applying for a NO Income Verified loan/EZ Qualifier loan, just complete the following application without any other documents mentioned below. Upon receipt, we will let you know what is needed to complete your approval. If you receive W-2's please send us 2005 & 2006 W-2's and one months of paystubs by fax or mail(see below). If Self-Employed and are going full income documentation, we need 2005 & 2006 1040's and YTD P&L statements for 2007 or 24 months bank statements and YTD P&L Statements for 2007.

IMPORTANT NOTICE: All rate and costs quoted are NOT guaranteed until your loan is locked and approved. We do not use bait and switch tactics but if you switch loan programs at any time and we originally quoted you a specific rate/terms and costs, all three items will change with the loan program. Example if you state you have excellent credit scores (above 680) and can go full income documentation and later decide because your middle score is 652 and you know want to go ez qualifier or no income verifier, then all terms will change as well. PLEASE REMEMBER TO CONTINUE PAYING ON ALL YOUR BILLS UNTIL YOU SIGN YOUR LOAN DOC'S & DON'T INCUR NEW DEBT!

If you would prefer someone call you to do the loan application by phone, please call us at 949-709-8477.

Please have the following documents ready so when our processor calls you, it will speed up your approval. NOTE: Be assured that all the information given is secured and will not be given out to anyone except our underwriters and lending partners. If you feel more secure, you may print this application and fax it to us at 949-203-6434.

(1)Copy of your homeowners insurance policy-(coverage page only) (2) Promissory Note of your 1st Mortgage (if doing a second mortgage) The promissory Note is a document found within your escrow papers with your Deed of Trust. Try looking for a document with the word "NOTE" in it. It's about 2-4 pages long. (3)Bankruptcy discharge papers-(if applicable) (4)Divorce decree (if applicable) (5)HUD-1 Closing statement on current 1st Mtg. (6)Bank/stock statements, 2-6 months of prin. int. taxes and insurance payments are required for you to have in reserves in a bank or stock/retirement accounts=liquid assets, (7) cancelled checks, lease agreements, credit explanations. If this is a purchase, we need: (8)Purchase Contract and (9)Escrow instructions, in addition to the above. If you don't understand any doc's mentioned above, please call & we'll explain.

Caution! Please do not apply unless you are serious about obtaining a loan approval, we do everything possible and as quick as possible to get your loan approved with the best rate and terms. You'll notice we do not ask for SS# or bank account numbers. MortgageAngel is looking out for you and take your privacy and security seriously. We will call you to get this information from you directly.

Loan Amount requested:(see min. loan requirements above)
Loan Type Requested: Purchase, Refinance, 2nd Mortgage, Debt Consolidation, Home Improvement, Credit Line, Other, please describe:
Your E-mail address:
Home Phone & Fax #:
Your Current Home-Residence/Property Address:
City/State/Zip:
Please provide the following: (1)the dates of the above rental or residence history (2) any previous address history min. 2 yrs. (3)with landlord information, and (4)phone #'s & dates. If more space is needed, please continue below under more info, or e-mail it to us at mwl@mortgageangel.com:
If Purchase: What is New Property address, city, state & zip:
If Purchase: What is the amount of Down Payment?:
If Purchase: What is the amount of the Purchase Price?:
If Purchase: When is schedule closing date and/or if NEW-completion of Construction:
IF Purchase: What is the amount of rent you're currently paying?:
If Purchase: A)Has purchase contract been signed, B)If so, what amount of deposit has been made and C)Who is holding the Deposit?:
If Purchase: Do you have a closing agent/escrow/title already opened?:
If Refi. or 2nd Mtg.: Do you have a prepayment penalty on your 1st mortgage?:
If Refi. or 2nd Mtg.:Is your 1st Mtg. Fixed or adjustable rate:
If adj., is it a Neg Am loan?
What is the % rate on your 1st & 2nd. MTG?
Did you own a previous home in the last 12 months?
Is your credit Excellent, Good, Fair, Poor?
Please decribe credit history in the last 24 months?
Are you behind on any bills now and for how long?
Are you planning to sell your home in the next 1-5 years?
IF REFI:When was the last time you refinanced and why?
What rate,terms,etc are you looking for?
Have you applied elsewhere, how many times and what were there results?
Do you know what your credit scores are (400-800)?:
Do you want to provide full income documentation such as W-2's, paystubs, tax returns-if self employed/commission?:

BORROWER 

Name and if Male or female:
Age & date of birth
RACE (White,Hispanic, Black, etc.):
Marital Status
# Dependents &Ages:
Years of School:
Self Employed or Commission:
If Self Employed and own your business, what is business worth:
Name of Employer
Address:
City/State/Zip:
Yrs. on job (From/To):
Position or Title:
Type of Business:
Company PH#:
Income per mo or yr.:
Please include previous employer, address, position, dates and monthly income:

CO-BORROWER

Name and if male or female:
Age & date of birth
RACE
Marital Status
# Dependents &Ages:
Years of School:
Self Employed or Commission
Name of Employer
Address:
City/State/Zip:
Yrs. on job (From/To):
Position or Title:
Type of Business:
Company PH#:
Income per mo or yr.:

Please state previous employment if less than 3 years, Need name, address & ph. #:
In most loan programs you need to provide at least 2 months of PITI in reserves in Bank Accounts, Stocks/Bonds or other liquid assets. Please provide us with the following: Bank/Savings Name &Address:
Balance $:
Bank/Savings Name, address
Balance $:
Stocks/Bonds-Name, desc., Value:
Life Insurance Face Amount:
Cash Value:
If refi or 2nd mtg.:1st Mortgage Name & ADDRESS:
Ph#:
Account #:
Payment:
(REQUIRED)Balance: $
What are the property taxes per year:
Insurance /yr:
Does payment include Taxes or ins.?
Do you want your taxes and/or insurance included in your new mortgage?
2nd Mtg. Lender Name & ADDRESS:
Ph#:
Account #:
Payment:
(REQUIRED)Balance: $
Please specify what proceeds of the loan are to be used for; Home Improvement, Bills, Business, refinance/lower payment,etc:
Were you Referred to us by anyone?
Name & PH# of CPA (if self empl.)
Auto Make
Year
Value
Auto Make
Year
Value
Do you own other Assets such as boats, furniture, RV, Jewelry, etc.,Please put Amount & Desc.:
Any Foreclosures/Bankruptcies in the past 10 yrs.? If so, when filed and discharged?
If Refi or 2nd:**HOME Purchase date:
Yr. Built:
If Refi. or 2nd Mortgage-What was the original Price paid on your home(REQUIRED):
Pool or Spa:
County:
Square Footage:
Bedrooms:
Baths:
Lot size:
*****GIVE COST AND DESCRIPTION OF IMPROVEMENTS MADE SINCE PURCHASE**:
House/Condo/Townhouse,etc.:
Association NAME/PH # and dues: $
Name, phone# and policy # of your Home Insurance Carrier:
Current Value (REQUIRED):
Title will be held in what Name(s)/Manner:
Please list other real estate currently owned, address, type, present value amount of mtgs. gross income(if rental), mtg payment, ins, taxes & other expenses:
Is the house currently listed for sale with a Real Estate Broker:
List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account numbers. If more space is necessary, please attach it to us or fax it to 949-203-6434:
**NOTE: VERY IMPORTANT* If current residence or employment is less than three (3) years, please provide previous Address, Phone numbers and Dates up to three (3) years, if additional space is required, AFTER you click on "SEND Application" below it will take you a 'feedback' form. Enter the information on the 'comments' section or e-mail us at 'loans@mortgageangel.com':
I/WE AUTHORIZE MORTGAGE ANGEL TO CHECK OUR CREDIT REPORTS and request VERIFICATIONS FOR THE PURPOSES OF OBTAINING A MORTGAGE. IF YOU AGREE PLEASE PRINT YES AND YOUR NAME(S):
The following is a marketing question- Please name two of your favorite restaurants near where you live: