Freddie Mac Form 65 PDF Details

In the complex journey of securing a home loan, the Freddie Mac 65 form, also known as the Uniform Residential Loan Application, stands as a cornerstone document, encapsulating a wealth of information required by lenders to make informed decisions. This comprehensive form demands meticulous attention from borrowers, requiring them to furnish detailed personal, employment, and financial data. From a borrower's personal identification details, employment history, and income sources to an exhaustive account of financial assets and liabilities, including expenses and potential rental income from owned properties, every piece of data plays a critical role in the lender's evaluation process. Moreover, the form delves into the specifics of the loan and property in question, asking for information about the loan's purpose, the property's value, and the intended occupancy, alongside inquiries about any additional mortgage loans on the property being purchased or refinanced. The anticipation of rental income from the property and the declaration of any received or expected gifts or grants towards the loan introduce further layers to the applicant's financial landscape. Given its comprehensive nature, the Freddie Mac 65 form is a critical step in the home lending process, designed to ensure that lenders have a full understanding of an applicant's financial situation before arriving at a lending decision.

QuestionAnswer
Form NameFreddie Mac Form 65
Form Length9 pages
Fillable?No
Fillable fields0
Avg. time to fill out2 min 15 sec
Other names65 freddie form 65 pdf 2005

Form Preview Example

To be completed by the Lender:

 

Lender Loan No./Universal Loan Identifier

Agency Case No.

Uniform Residential Loan Application

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 1: Borrower Information.This section asks about your personal information and your income from employment and other sources, such as retirement, that you want considered to qualify for this loan.

1a. Personal Information

Name (First, Middle, Last, Suffix)

Alternate Names – List any names by which you are known or any names under which credit was previously received (First, Middle, Last, Suffix)

Social Security Number

 

–

–

 

 

 

 

 

 

 

 

 

 

 

 

 

(or Individual Taxpayer Identification Number)

Date of Birth

 

 

 

Citizenship

 

 

 

(mm/dd/yyyy)

 

 

 

U.S. Citizen

 

 

 

/

 

/

 

 

Permanent Resident Alien

 

 

 

 

 

 

 

Non-Permanent Resident Alien

Type of Credit

I am applying for individual credit.

I am applying for joint credit. Total Number of Borrowers: Each Borrower intends to apply for joint credit. Your initials:

List Name(s) of Other Borrower(s) Applying for this Loan (First, Middle, Last, Suffix) – Use a separator between names

Marital Status

Dependents (not listed by another Borrower)

Married

Number

 

 

Separated

Ages

Unmarried

(Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered Reciprocal Beneficiary Relationship)

Contact Information

 

 

 

 

 

 

Home Phone

(

 

 

)

 

–

 

 

 

Cell Phone

(

 

 

)

 

–

 

 

 

 

 

 

 

 

 

Work Phone

(

 

 

)

 

–

 

Ext.

 

 

 

 

Email

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current Address

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

 

City

 

 

 

 

 

 

 

 

 

State

 

 

ZIP

 

 

Country

 

 

 

 

 

How Long at Current Address?

 

 

Years

 

 

Months

Housing

No primary housing expense

 

Own

Rent ($

 

 

/month)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

If at Current Address for LESS than 2 years, list Former Address

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

 

City

 

 

 

 

 

 

 

 

 

State

 

 

ZIP

 

 

Country

 

 

 

 

 

How Long at Former Address?

 

 

Years

 

 

Months

Housing

No primary housing expense

 

Own

Rent ($

 

 

/month)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mailing Address – if different from Current Address

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

City

 

 

 

 

 

 

 

 

State

 

ZIP

 

Country

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1b. Current Employment/Self-Employment and Income

Does not apply

Employer or Business Name

 

 

 

 

 

 

 

 

 

 

Phone

(

 

 

)

 

 

–

 

 

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

City

 

 

 

 

 

 

 

 

 

 

 

State

 

ZIP

 

 

 

Country

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Position or Title

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Check if this statement applies:

Start Date

 

 

/

 

/

 

 

 

 

(mm/dd/yyyy)

 

I am employed by a family member,

 

 

 

 

 

property seller, real estate agent, or other

How long in this line of work?

Years

 

Months

 

 

 

party to the transaction.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Check if you are the Business

I have an ownership share of less than 25%.

Monthly Income (or Loss)

Owner or Self-Employed

I have an ownership share of 25% or more.

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gross Monthly Income

Base

$

 

/month

Overtime

$

 

/month

Bonus

$

 

/month

Commission $

 

/month

Military

 

 

 

Entitlements $

 

/month

Other

$

 

/month

TOTAL $

 

 

/month

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

 

1c. IF APPLICABLE, Complete Information for Additional Employment/Self-Employment and Income

 

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Employer or Business Name

 

 

 

 

 

 

 

 

 

 

Phone (

 

)

 

 

–

 

 

Gross Monthly Income

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

 

Base

$

 

/month

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Overtime

$

 

/month

City

 

 

 

 

 

 

 

 

 

 

 

State

 

ZIP

 

 

 

Country

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Bonus

$

 

/month

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Position or Title

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Check if this statement applies:

Commission $

/month

Start Date

 

 

/

 

/

 

 

 

 

(mm/dd/yyyy)

 

I am employed by a family member,

Military

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

property seller, real estate agent, or other

 

 

 

How long in this line of work?

Years

 

Months

 

Entitlements $

/month

 

 

party to the transaction.

 

 

 

 

 

 

 

 

 

 

Other

$

 

/month

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Check if you are the Business

I have an ownership share of less than 25%.

Monthly Income (or Loss)

 

TOTAL $

 

 

/month

 

Owner or Self-Employed

I have an ownership share of 25% or more.

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income

 

Does not apply

 

 

 

 

 

 

Provide at least 2 years of current and previous employment and income.

Employer or Business Name

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

City

 

 

 

 

 

 

 

State

 

ZIP

 

Country

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Position or Title

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Check if you were the Business

Start Date

/

/

 

 

(mm/dd/yyyy)

 

 

 

 

Owner or Self-Employed

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

End Date

/

/

 

 

(mm/dd/yyyy)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Previous Gross Monthly

Income $

 

/month

1e. Income from Other Sources

Does not apply

Include income from other sources below. Under Income Source, choose from the sources listed here:

• Alimony

• Child Support

• Interest and Dividends

• Notes Receivable

• Royalty Payments

• Unemployment

• Automobile Allowance

• Disability

• Mortgage Credit Certificate

• Public Assistance

• Separate Maintenance

Benefits

• Boarder Income

• Foster Care

• Mortgage Differential

• Retirement

• Social Security

• VA Compensation

• Capital Gains

• Housing or Parsonage

Payments

(e.g., Pension, IRA)

• Trust

• Other

NOTE: Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.

Income Source – use list above

Monthly Income

 

 

 

$

 

 

 

$

 

 

 

$

 

 

Provide TOTAL Amount Here

$

 

 

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

Section 2: Financial Information — Assets and Liabilities.This section asks about things you own that

are worth money and that you want considered to qualify for this loan. It then asks about your liabilities (or debts) that you pay each month, such as credit cards, alimony, or other expenses.

2a. Assets – Bank Accounts, Retirement, and Other Accounts You Have

Include all accounts below. Under Account Type, choose from the types listed here:

 

• Checking

• Certificate of Deposit

• Stock Options

 

 

 

• Bridge Loan Proceeds

 

• Trust Account

 

 

• Savings

• Mutual Fund

• Bonds

 

 

 

• Individual Development

• Cash Value of Life Insurance

 

• Money Market

• Stocks

 

 

• Retirement (e.g., 401k, IRA)

Account

 

(used for the transaction)

 

 

 

 

 

 

 

 

 

 

 

Account Type – use list above

Financial Institution

 

 

Account Number

 

 

 

Cash or Market Value

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Provide TOTAL Amount Here

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2b. Other Assets and Credits You Have

 

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Include all other assets and credits below. Under Asset or Credit Type, choose from the types listed here:

 

 

 

 

 

 

Assets

 

 

 

 

 

 

 

Credits

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

• Proceeds from Real Estate

• Proceeds from Sale of

• Unsecured Borrowed Funds

• Earnest Money

• Relocation Funds

• Sweat Equity

 

Property to be sold on or

Non-Real Estate Asset

• Other

 

 

 

• Employer Assistance

• Rent Credit

 

 

• Trade Equity

 

before closing

• Secured Borrowed Funds

 

 

 

• Lot Equity

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Asset or Credit Type – use list above

 

 

 

 

 

 

 

 

 

 

 

Cash or Market Value

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Provide TOTAL Amount Here

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2c. Liabilities – Credit Cards, Other Debts, and Leases that You Owe

 

 

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

List all liabilities below (except real estate) and include deferred payments. Under Account Type, choose from the types listed here:

• Revolving (e.g., credit cards)

• Installment (e.g., car, student, personal loans)

• Open 30-Day (balance paid monthly) • Lease (not real estate) • Other

 

 

 

 

 

 

 

Account Type –

 

 

 

 

To be paid off at

 

use list above

Company Name

Account Number

Unpaid Balance

or before closing

Monthly Payment

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

2d. Other Liabilities and Expenses

Does not apply

Include all other liabilities and expenses below. Choose from the types listed here:

• Alimony

• Child Support • Separate Maintenance • Job Related Expenses

• Other

Monthly Payment

$

$

$

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

Section 3: Financial Information — Real Estate. This section asks you to list all properties you currently own

 

and what you owe on them.

I do not own any real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3a. Property You Own

 

If you are refinancing, list the property you are refinancing FIRST.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Address

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

City

 

 

 

 

 

 

 

 

State

 

 

ZIP

 

 

 

Country

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Status: Sold,

Intended Occupancy:

Monthly Insurance,Taxes,

 

For 2-4 Unit Primary or Investment Property

 

 

 

 

 

Investment, Primary

Association Dues, etc.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pending Sale,

 

Monthly Rental

 

For LENDER to calculate:

 

 

 

 

 

Residence, Second

if not included in Monthly

 

 

 

Property Value

or Retained

 

Income

 

Net Monthly Rental Income

 

Home, Other

 

Mortgage Payment

 

 

$

 

 

 

 

 

 

 

 

$

 

 

 

 

$

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mortgage Loans on this Property

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Monthly

 

 

 

 

 

 

 

 

 

Type: FHA, VA,

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mortgage

 

 

 

To be paid off at

 

Conventional,

Credit Limit

Creditor Name

 

Account Number

Payment

Unpaid Balance

or before closing

 

USDA-RD, Other

(if applicable)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3b. IF APPLICABLE, Complete Information for Additional Property

 

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Address

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

City

 

 

 

 

 

 

 

 

State

 

 

ZIP

 

 

 

Country

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Status: Sold,

Intended Occupancy:

Monthly Insurance, Taxes,

 

For 2-4 Unit Primary or Investment Property

 

 

 

 

 

Investment, Primary

Association Dues, etc.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pending Sale,

 

Monthly Rental

 

For LENDER to calculate:

 

 

 

 

 

Residence, Second

if not included in Monthly

 

 

 

Property Value

or Retained

 

Income

 

Net Monthly Rental Income

 

Home, Other

 

Mortgage Payment

 

 

$

 

 

 

 

 

 

 

 

$

 

 

 

 

$

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mortgage Loans on this Property

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Monthly

 

 

 

 

 

 

 

 

 

Type: FHA, VA,

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mortgage

 

 

 

To be paid off at

 

Conventional,

Credit Limit

Creditor Name

 

Account Number

Payment

Unpaid Balance

or before closing

 

USDA-RD, Other

(if applicable)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3c. IF APPLICABLE, Complete Information for Additional Property

 

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Address

Street

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

City

 

 

 

 

 

 

 

 

State

 

 

ZIP

 

 

 

Country

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Status: Sold,

Intended Occupancy:

Monthly Insurance, Taxes,

 

For 2-4 Unit Primary or Investment Property

 

 

 

 

 

Investment, Primary

Association Dues, etc.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pending Sale,

 

Monthly Rental

 

For LENDER to calculate:

 

Property Value

Residence, Second

if not included in Monthly

 

 

 

or Retained

Home, Other

 

Mortgage Payment

 

Income

 

Net Monthly Rental Income

 

$

 

 

 

 

 

 

 

 

$

 

 

 

 

$

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mortgage Loans on this Property

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Monthly

 

 

 

 

 

 

 

 

 

Type: FHA, VA,

 

 

 

 

 

 

 

 

 

 

 

Account Number

Mortgage

 

 

 

To be paid off at

 

Conventional,

Credit Limit

Creditor Name

 

Payment

Unpaid Balance

or before closing

 

USDA-RD, Other

(if applicable)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

$

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

Section 4: Loan and Property Information. This section asks about the loan’s purpose and the property you want to purchase or refinance.

4a. Loan and Property Information

Loan Amount $

 

 

Loan Purpose

Purchase

Refinance

Other (specify)

 

 

 

 

 

Property Address Street

 

 

 

 

 

 

 

 

 

 

 

Unit #

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

City

 

 

 

 

 

State

 

ZIP

 

 

County

 

 

 

Number of Units

 

Property Value $

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Occupancy

Primary Residence

Second Home

Investment Property

FHA Secondary Residence

 

 

 

 

1. Mixed-Use Property. If you will occupy the property, will you set aside space within the property to operate

NO

YES

your own business? (e.g., daycare facility, medical office, beauty/barber shop)

 

 

 

 

 

 

2. Manufactured Home. Is the property a manufactured home? (e.g., a factory built dwelling built on a permanent chassis)

NO

YES

 

 

 

 

 

 

 

4b. Other New Mortgage Loans on the Property You are Buying or Refinancing

Does not apply

 

 

 

 

 

 

 

 

 

 

 

Loan Amount/

Credit Limit

 

Creditor Name

 

Lien Type

 

 

 

Monthly Payment

 

Amount to be Drawn

(if applicable)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First Lien

Subordinate Lien

$

 

 

 

$

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First Lien

Subordinate Lien

$

 

 

 

$

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

4c. Rental Income on the Property You Want to Purchase

 

For Purchase Only

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Complete if the property is a 2-4 Unit Primary Residence or an Investment Property

 

 

Amount

 

 

 

 

 

 

 

 

 

 

 

 

Expected Monthly Rental Income

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For LENDER to calculate: Expected Net Monthly Rental Income

 

 

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

4d. Gifts or Grants You Have Been Given or Will Receive for this Loan

 

Does not apply

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Include all gifts and grants below. Under Source, choose from the sources listed here:

 

 

 

 

 

• Community Nonprofit

• Federal Agency

• Relative

 

 

 

• State Agency

 

• Lender

 

 

 

• Employer

• Local Agency

• Religious Nonprofit

 

• Unmarried Partner

• Other

 

 

 

 

 

 

 

 

 

 

 

Asset Type: Cash Gift, Gift of Equity, Grant

Deposited/Not Deposited

Source – use list above

Cash or Market Value

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposited

 

Not Deposited

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposited

 

Not Deposited

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

Section 5: Declarations. This section asks you specific questions about the property, your funding, and your past financial history.

5a. About this Property and Your Money for this Loan

A. Will you occupy the property as your primary residence?

NO

YES

If YES, have you had an ownership interest in another property in the last three years?

NO

YES

If YES, complete (1) and (2) below:

 

 

(1)What type of property did you own: primary residence (PR), FHA secondary residence (SR), second home (SH), or investment property (IP)?

(2)How did you hold title to the property: by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?

B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?

NO

YES

C.Are you borrowing any money for this real estate transaction (e.g., money for your closing costs 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?

 

NO

YES

 

 

If YES, what is the amount of this money?

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or

 

NO

YES

 

 

before closing this transaction that is not disclosed on this loan application?

 

 

 

 

 

 

 

 

 

 

 

 

 

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

 

NO

YES

 

 

is not disclosed on this application?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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

 

NO

YES

 

 

through your property taxes (e.g., the Property Assessed Clean Energy Program)?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5b. About Your Finances

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

F.

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?

 

 

NO

YES

 

 

 

 

 

 

 

 

 

 

 

G.

Are there any outstanding judgments against you?

 

 

 

 

NO

YES

 

 

 

 

 

 

 

 

 

 

 

H.

Are you currently delinquent or in default on a Federal debt?

 

 

 

 

NO

YES

 

 

 

 

 

 

 

 

 

I.

Are you a party to a lawsuit in which you potentially have any personal financial liability?

 

 

NO

YES

 

 

 

 

 

 

 

 

 

J.

Have you conveyed title to any property in lieu of foreclosure in the past 7 years?

 

 

NO

YES

 

 

 

 

 

 

 

K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a

 

NO

YES

 

 

third party and the Lender agreed to accept less than the outstanding mortgage balance due?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

L.

Have you had property foreclosed upon in the last 7 years?

 

 

 

 

NO

YES

 

 

 

 

 

 

 

 

 

 

M. Have you declared bankruptcy within the past 7 years?

 

 

 

 

NO

YES

 

 

If YES, identify the type(s) of bankruptcy:

Chapter 7

Chapter 11

Chapter 12

Chapter 13

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

Section 6: Acknowledgments and Agreements. This section tells you about your legal obligations when you sign this application.

Acknowledgments and Agreements

Definitions:

• If this application is created as (or converted into) an “electronic

• "Lender" includes the Lender’s agents, service providers, and any of

application”, I consent to the use of “electronic records” and

their successors and assigns.

“electronic signatures” as the terms are defined in and governed by

• "Other Loan Participants" includes (i) any actual or potential owners of

applicable Federal and/or state electronic transactions laws.

a loan resulting from this application (the “Loan”), (ii) acquirers of

• I intend to sign and have signed this application either using my:

any beneficial or other interest in the Loan, (iii) any mortgage insurer,

(a) electronic signature; or

(iv) any guarantor, (v) any servicer of the Loan, and (vi) any of these

(b) a written signature and agree that if a paper version of this

parties' service providers, successors or assigns.

application is converted into an electronic application, the

I agree to, acknowledge, and represent the following:

application will be an electronic record, and the representation

of my written signature on this application will be my binding

(1) The Complete Information for this Application

electronic signature.

• The information I have provided in this application is true, accurate,

• I agree that the application, if delivered or transmitted to the Lender

and complete as of the date I signed this application.

or Other Loan Participants as an electronic record with my electronic

• If the information I submitted changes or I have new information

signature, will be as effective and enforceable as a paper application

before closing of the Loan, I must change and supplement this

signed by me in writing.

application, including providing any updated/supplemented real

(5) Delinquency

estate sales contract.

• The Lender and Other Loan Participants may report information about

• For purchase transactions: The terms and conditions of any real

my account to credit bureaus. Late payments, missed payments, or

estate sales contract signed by me in connection with this application

other defaults on my account may be reflected in my credit report and

are true, accurate, and complete to the best of my knowledge and

will likely affect my credit score.

belief. I have not entered into any other agreement, written or oral, in

• If I have trouble making my payments I understand that I may contact

connection with this real estate transaction.

a HUD-approved housing counseling organization for advice about

• The Lender and Other Loan Participants may rely on the information

actions I can take to meet my mortgage obligations.

contained in the application before and after closing of the Loan.

 

• Any intentional or negligent misrepresentation of information may

(6) Authorization for Use and Sharing of Information

result in the imposition of:

By signing below, in addition to the representations and agreements

(a) civil liability on me, including monetary damages, if a

made above, I expressly authorize the Lender and Other Loan

person suffers any loss because the person relied on any

Participants to obtain, use, and share with each other (i) the loan

misrepresentation that I have made on this application, and/or

application and related loan information and documentation, (ii) a

(b) criminal penalties on me including, but not limited to, fine or

consumer credit report on me, and (iii) my tax return information, as

imprisonment or both under the provisions of Federal law

necessary to perform the actions listed below, for so long as they have

(18 U.S.C. §§ 1001 et seq.).

an interest in my loan or its servicing:

(2) The Property’s Security

(a) process and underwrite my loan;

(b) verify any data contained in my consumer credit report, my

The Loan I have applied for in this application will be secured by

loan application and other information supporting my loan

a mortgage or deed of trust which provides the Lender a security

application;

interest in the property described in this application.

(c) inform credit and investment decisions by the Lender

(3) The Property’s Appraisal, Value, and Condition

and Other Loan Participants;

• Any appraisal or value of the property obtained by the Lender is

(d) perform audit, quality control, and legal compliance analysis

for use by the Lender and Other Loan Participants.

and reviews;

• The Lender and Other Loan Participants have not made any

(e) perform analysis and modeling for risk assessments;

representation or warranty, express or implied, to me about the

(f) monitor the account for this loan for potential delinquencies and

property, its condition, or its value.

determine any assistance that may be available to me; and

 

(4) Electronic Records and Signatures

(g) other actions permissible under applicable law.

• The Lender and Other Loan Participants may keep any paper record

 

and/or electronic record of this application, whether or not the Loan

 

is approved.

 

Borrower Signature

 

Date (mm/dd/yyyy)

/

/

 

 

 

 

 

 

 

Additional Borrower Signature

 

Date (mm/dd/yyyy)

/

/

 

 

 

 

 

 

 

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

– Print name of enrolled

Section 7: Military Service. This section asks questions about your (or your deceased spouse's) military service.

Military Service of Borrower

Military Service – Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces? NO YES

If YES, check all that apply:

Currently serving on active duty with projected expiration date of service/tour

/

/

(mm/dd/yyyy)

Currently retired, discharged, or separated from service

Only period of service was as a non-activated member of the Reserve or National Guard

Surviving spouse

Section 8: Demographic Information. This section asks about your ethnicity, sex, and race.

Demographic Information of Borrower

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race." The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

Ethnicity: Check one or more

Hispanic or Latino

Mexican Puerto Rican Cuban

Other Hispanic or Latino – Print origin:

For example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.

Not Hispanic or Latino

I do not wish to provide this information

Sex

Female

Male

I do not wish to provide this information

Race: Check one or more

American Indian or Alaska Native or principal tribe :

Asian

 

 

Asian Indian

Chinese

Filipino

Japanese

Korean

Vietnamese

Other Asian – Print race:

 

For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.

Black or African American

 

 

Native Hawaiian or Other Pacific Islander

 

Native Hawaiian

Guamanian or Chamorro

Samoan

Other Pacific Islander – Print race:

For example: Fijian, Tongan, and so on.

White

I do not wish to provide this information

To Be Completed by Financial Institution (for application taken in person):

Was the ethnicity of the Borrower collected on the basis of visual observation or surname?

NO

YES

 

Was the sex of the Borrower collected on the basis of visual observation or surname?

NO

YES

 

Was the race of the Borrower collected on the basis of visual observation or surname?

NO

YES

 

 

 

 

 

 

The Demographic Information was provided through:

 

 

 

 

 

 

 

 

Face-to-Face Interview (includes Electronic Media w/ Video Component)

Telephone Interview

Fax or Mail

Email or Internet

 

 

 

 

 

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

Section 9: Loan Originator Information. To be completed by your Loan Originator.

Loan Originator Information

Loan Originator Organization Name

Address

Loan Originator Organization NMLSR ID#

 

State License ID#

 

 

 

 

 

 

 

Loan Originator Name

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loan Originator NMLSR ID#

 

 

State License ID#

 

 

 

 

 

 

 

 

Email

 

 

 

Phone (

)

 

 

 

–

 

Signature

 

 

Date (mm/dd/yyyy)

/

 

/

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Borrower Name:

Uniform Residential Loan Application

Freddie Mac Form 65 • Fannie Mae Form 1003

Effective 1/2021

How to Edit Freddie Mac Form 65 Online for Free

You are able to work with Freddie Mac Form 65 effectively using our PDFinity® online PDF tool. The tool is continually maintained by our team, acquiring new awesome functions and becoming better. If you are seeking to get started, here's what it will take:

Step 1: First, access the editor by pressing the "Get Form Button" in the top section of this page.

Step 2: As you launch the file editor, you will find the form ready to be completed. In addition to filling out various blanks, you could also perform various other things with the file, namely putting on any text, modifying the original text, inserting images, placing your signature to the document, and more.

In order to finalize this document, be certain to provide the information you need in every blank:

1. You need to complete the Freddie Mac Form 65 accurately, thus be careful when filling out the sections containing these fields:

Filling out part 1 of Freddie Mac Form 65

2. When the last selection of blanks is filled out, proceed to type in the suitable details in all these - Marital Status, Dependents not listed by another, Married Separated Unmarried Single, Current Address Street City, Contact Information, Home Phone Cell Phone Work Phone, Email, State, ZIP, Ext, Unit Country, How Long at Current Address, Years, Months Housing, and No primary housing expense.

Freddie Mac Form 65 conclusion process described (part 2)

3. The following portion is focused on Phone, Gross Monthly Income, State, ZIP, Unit, Country, Base, Overtime, Bonus, Commission, Military Entitlements, Other, TOTAL, month, and month - type in each one of these blanks.

Filling in segment 3 in Freddie Mac Form 65

4. This fourth section comes with all of the following empty form fields to complete: c IF APPLICABLE Complete, Does not apply, Phone, Gross Monthly Income, State, ZIP, Unit, Country, Base, Overtime, Bonus, Commission, Military Entitlements, Other, and TOTAL.

Freddie Mac Form 65 writing process described (part 4)

5. To conclude your form, this particular subsection has several extra blank fields. Entering Start Date, End Date, mmddyyyy, mmddyyyy, Check if you were the Business, e Income from Other Sources, Does not apply, Include income from other sources, Interest and Dividends Mortgage, Child Support Disability Foster, Notes Receivable Public, Royalty Payments Separate, Unemployment Benefits, VA Compensation Other, and NOTE Reveal alimony child support will wrap up the process and you'll be done in a flash!

Interest and Dividends Mortgage, End Date, and e Income from Other Sources of Freddie Mac Form 65

Many people frequently make errors while completing Interest and Dividends Mortgage in this part. Ensure you read again everything you enter here.

Step 3: After taking one more look at the fields, click "Done" and you're all set! Sign up with FormsPal today and easily gain access to Freddie Mac Form 65, available for download. All alterations you make are saved , so that you can change the pdf at a later time if necessary. Here at FormsPal, we endeavor to be sure that your information is stored protected.

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