Verify and complete the information on this application. If you are applying for this loan with others, each additional Borrower must provide information as directed by your Lender.
Section 1a. Personal Information Name(Required)
First
Middle
Last
Suffix
Citizenship(Required)
Type of Credit(Required)
Marital Status(Required)
Address(Required)
Housing(Required)
If at Current Address for FEWER than 2 years, list Former Address
Housing
Mailing Address
if different from Current Address
Section 1b. Current Employment/Self-Employment and Income Address
Check if this statement applies:
Owner? Ownership %
Section 1c. IF APPLICABLE, Complete Information for Previous Employment/Self Employment and Income Address
Check if this statement applies:
Owner? Ownership % Address
Owner?
Section 1e. Income from Other Sources
Section 2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have
Section 2b. Other Assets and Credits You Have
To be paid off at or before closing?
To be paid off at or before closing?
To be paid off at or before closing?
To be paid off at or before closing?
To be paid off at or before closing? Do you own any real estate? Address
To be paid off at or before closing
To be paid off at or before closing
Section 3b. IF APPLICABLE, Complete Information for Additional Property Address
To be paid off at or before closing
To be paid off at or before closing
Section 3c. IF APPLICABLE, Complete Information for Additional Property Address
To be paid off at or before closing
To be paid off at or before closing
Section 4a. Loan and Property Information Loan Purpose Address
Occupancy FHA Secondary Residence
Mixed-Use Property If you will occupy the property, will you set aside space within the property to operate your own business? (e.g., daycare facility, medical office, beauty/barber shop)
Manufactured Home Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis)
Section 4b. Other New Mortgage Loans on the Property You are Buying or Refinancing Lien Type
Lien Type
If this property is meant for Purchase Only please check this box: (this property is not meant for rental purposes)
Deposited/Not Deposited
Deposited/Not Deposited
Section 5a. About this Property and Your Money for this Loan Will you occupy the property as your primary residence? If YES, have you had an ownership interest in another property in the last three years?
If this is a Purchase Transaction: Do you have a family relatioship or business affiliation with the seller of the property?
Are you borrowing any money for this realestate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another part, such as seller or realtor, that you have not disclosed on this loan application?
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 loan application? 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?
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)?
Section 5b. About Your Finances Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
Are there any outstanding judgements against you?
Are you currently delinquent or in default on a federal debt?
Are you a party to a lawsuit in which you potentially have any personal financial liability?
Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
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?
Have you had property foreclosed upon in the last 7 years?
Have you declared bankruptcy within the past 7 years? If YES, identify the type(s) of bankruptcy: Borrower Consent I agree to the terms under Section 6. Acknowledgements and Agreements
Additional Borrower Consent I agree to the terms under Section 6. Acknowledgements and Agreements
Military Service - Did you (or your decease spouse) ever serve, or are you currently serving, in the United States Armed Forces? If YES, check all that apply Ethnicity Hispanic or Latino Sex Race If ASIAN
If NATIVE HAWAIIAN or OTHER PACIFIC ISLANDER
Section 9: Loan Originator Information Loan Originator Organization Name: Citizens National Bank
Address: 1 Carnegie Brownwood, TX 76801
Loan Originator Organization NMLSR ID# 405710
Loan Originator Name: Victoria Estes
Loan Originator NMLSR ID# 2616200
Email: VEstes@cnb-brownwood.com
Phone: 325-643-3545
Loan Originator Name: Stephanie Johnston
Loan Originator NMLSR ID# 1110885
Email: sjohnston@cnb-brownwood.com
Phone: 325-643-3545
Lenders Instructions for Using the Unmarried Addendum
The Lenders may use the Unmarried Addendum only when a Borrower selected "Unmarried" in Section 1 and the information collected is
necessary to determine how State property laws directly or indirectly affecting creditworthiness apply, including ensuring clear title.
For example, the Lender may use the Unmarried Addendum when the Borrower resides in a State that recognizes civil unions, domestic
partnerships, or registered reciprocal beneficiary relationships or when the property is located in such a State. "State" means any state, the
District of Columbia, The Commonwealth of Puerto Rico, or any territory or'possession of the United States.
If you selected "Unmarried" in Section 1, is there a person who is not your legal spouse but who currently has real property rights similar to those of legal spouse? If YES, indigate the type of relatioship and the State in which the relationship was formed. For example, indicate if you are in a civil union, domestic partnership, registered reciprocal beneficiary relationship, or other relationship recognized by the State in which you currently
reside or where the property is located.
Section 1a. Personal Information Name
First
Middle
Last
Suffix
Citizenship
Type of Credit
Marital Status
Address
Housing
If at Current Address for FEWER than 2 years, list Former Address
Housing
Mailing Address
if different from Current Address
Section 1b. Current Employment/Self-Employment and Income Address
Check if this statement applies:
Owner? Ownership %
Section 1c. IF APPLICABLE, Complete Information for Previous Employment/Self Employment and Income Address
Check if this statement applies:
Owner? Ownership % Address
Owner?
Section 1e. Income from Other Sources
Section 5a. About this Property and Your Money for this Loan Will you occupy the property as your primary residence? If YES, have you had an ownership interest in another property in the last three years?
If this is a Purchase Transaction: Do you have a family relatioship or business affiliation with the seller of the property?
Are you borrowing any money for this realestate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another part, such as seller or realtor, that you have not disclosed on this loan application?
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 loan application? 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?
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)?
Section 5b. About Your Finances Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
Are there any outstanding judgements against you?
Are you currently delinquent or in default on a federal debt?
Are you a party to a lawsuit in which you potentially have any personal financial liability?
Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
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?
Have you had property foreclosed upon in the last 7 years?
Have you declared bankruptcy within the past 7 years? If YES, identify the type(s) of bankruptcy: Military Service - Did you (or your decease spouse) ever serve, or are you currently serving, in the United States Armed Forces? If YES, check all that apply Ethnicity Hispanic or Latino Sex Race If ASIAN
If NATIVE HAWAIIAN or OTHER PACIFIC ISLANDER
Section 9: Loan Originator Information Loan Originator Organization Name: Citizens National Bank
Address: 1 Carnegie Brownwood, TX 76801
Loan Originator Organization NMLSR ID# 405710
Loan Originator Name: Mary E. Barnes
Loan Originator NMLSR ID# 266574
Email: mbarnes@cnb-brownwood.com
Phone: 325-643-3545
Lenders Instructions for Using the Unmarried Addendum
The Lenders may use the Unmarried Addendum only when a Borrower selected "Unmarried" in Section 1 and the information collected is
necessary to determine how State property laws directly or indirectly affecting creditworthiness apply, including ensuring clear title.
For example, the Lender may use the Unmarried Addendum when the Borrower resides in a State that recognizes civil unions, domestic
partnerships, or registered reciprocal beneficiary relationships or when the property is located in such a State. "State" means any state, the
District of Columbia, The Commonwealth of Puerto Rico, or any territory or'possession of the United States.
If you selected "Unmarried" in Section 1, is there a person who is not your legal spouse but who currently has real property rights similar to those of legal spouse? If YES, indigate the type of relatioship and the State in which the relationship was formed. For example, indicate if you are in a civil union, domestic partnership, registered reciprocal beneficiary relationship, or other relationship recognized by the State in which you currently
reside or where the property is located.
Borrowers' Certification and Authorization Borrower's Consent I agree to the Certification and Authorization above.
Additional Borrower's Consent I agree to the Certification and Authorization above.
ESIGN DISCLOSURES AND CONSENT Borrower's Consent I agree to the ESIGN Disclosures and Consent above.
Additional Borrower's Consent I agree to the ESIGN Disclosures and Consent above.
