Refinance application, Cambria Mortgage, the Joe Metzler Team

Secure Refinance Application

Filling out the online application should take only about 10 minutes. Completing the application does not obligate you to anything. This is a secure form, which means your information will be encrypted before being transmitted to us. If you have any question while filling out this form, please contact us at (651) 552-3681 or CHAT LIVE

Secure Application - Refinancing A Home

ABOUT YOU
Tell us a little bit about just you. (Any co-applicant information will be listed later)
What Is Your Full LEGAL Name?*
First
Last
Will there be asomeone else on the loan?*
YES, Joint Credit
NO, Individual
What is the other applicants full name?
First
Last
What is Your Current Address?*
Address / Street Street Address Line 2 City State Zip Code
I have lived at my current address since (month / year)?*
What is Your Best Phone Number?*
This is my
Alternative Phone?
Alternative Phone # is
What is Your Email Address?*
Confirm Email*
Best time to reach you?
If more than one applicant, who is best is the best person to call?
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CURRENT HOUSING COSTS
Tell us a little about what you pay for your current housing costs.
For current housing, I:*
Rent
Own
Live rent free
Home much is your mortgage payment?*
Do you have a 2nd mortgage? If so, what is that payment?
How much is rent?*
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Have you live at this current address LESS THAN two years?*
No
Yes
What Was Your Previous Address?
Street Address Street Address Line 2 City State Zip Code
I lived at this address from about (mo/year)?*
I left this address about (mo/year)*
At this previous address, I*
Owned
Rented
Lived Rent Free
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Current Marital Status*
Unmarried for this purpose means Single, Divorced, Widowed, Civil Union, Domestic Partnership, Registered Reciprocal Beneficiary Relationship
If you selected “Unmarried”, is there a person who is not your legal spouse but who currently has real property rights similar to those of a legal spouse?*
No
Yes
Relationship?: Indicate the type of relationship 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
State relationship formed in?*
Your Date of Birth?*
day
/
month
/
year
Your Social Security Number*
Citizenship?*
US Citizen
Permanent Resident Alien
NON Permanent Resident Alien
Your Preferred Language*
Any Dependents?*
Yes
No
If Yes, how many dependents?*
What are their ages?*
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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, my current status is?*
Currently Active
Retired, discharged, seperated
Only period of service was a non-activated member of the Reserves or National Guard
Surviving Spouse
Which Service?*
If discharged, type?
Ever had a VA home loan before?
No
Yes
Ever Default on a VA home loan?*
Do you have a service related disability of 10% or more?*
No
Yes
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5/22
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YOUR CREDIT
Tell us a little about your credit, and if you've ever had any major credit issues.
Your estimated credit rating?*
You Estimated Credit Score (If Known)
Is your credit report currently frozen?*
No
Yes
Unknown
Have you ever had a bankruptcy?*
No
Yes
If yes, how long ago was your bankruptcy?
Ever Have a Foreclosure or Short Sale?*
No
Yes
If yes, How long ago was your foreclosure or short sale?
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6/22
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EMPLOYMENT / INCOME
Tell us a little bit about any job you have, and any sources of income. If there is a co-applicant, do not list their income here.
Do you have a current job?*
Yes
No
Name of Current Employer?*
Work Address?
Street Address Street Address Line 2 City State / Province / Region Postal / Zip Code
Position / Title?*
My start date was about (mm/yy)*
How many years have you been in this line of work?
Do you work full time, part-time?
Are you self employed?
Your Work Phone #? Main number, or front desk. This is for verifying employment. Not to call you. Please do not just enter your home or cell number.
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7/22
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SECOND JOBS
Do you have a current 2nd job?*
Yes
No
2nd job company name?*
2nd job employer address?
Street Address Street Address Line 2 City State / Province / Region Postal / Zip Code
2nd job title / position?*
2nd job start date was about (mm/yy)*
2nd job pay (per month)*
2nd Job Phone #
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8/22
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LIST PREVIOUS EMPLOYMENT
If you've been at your current job LESS THAN TWO-YEARS, then tell us about your most recent previous job(s).
Have you been at your current job LESS than 2-years?*
Yes
No
Previous Employer Name*
Previous Employer Address
Street Address Street Address Line 2 City State / Province / Region Postal / Zip Code
Previous job title / position*
Old Income
Per
Previous job start date was about (mm/yy)*
Previous job end date was about (mm/yy)*
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Have you have any additional previous jobs in the last two-years?*
No
Yes
If yes, please list that job information below: Employer name, address, phone, your position, pay, start and end dates, starting with the most recent. We only need the past two-years.
Additional Previous Jobs: Please list that job information below: Employer name, address, phone, your position, pay, start and end dates, starting with the most recent. We only need the past two-years.
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10/22
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YOUR ASSETS
Tell us a little about your assets, including, checking, savings, stocks, etc.
Account 1 Balance
$
Acct 1: Name of Bank or Institution?
Acct 1 type
Account 2 Balance
$
Acct 2: Name of Bank or Institution?
Acct 2 type
Account 3 Balance
$
Acct 3: Name of Bank or Institution?
Acct 3 type
All additional accounts balance
$
Retirement / 401k
$
Stocks and bonds
$
Self-employed? Estimated Net Worth of Business Owned
$
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11/22
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YOUR LIABILITIES
We pull most liability data directly from your credit report, but please tell us if you have any of these liabilities.
Do you pay alimony or child support?*
No
Yes
How much per month?*
$
Do you own any other properties (like 2nd homes,or rentals)?*
No
Yes
Property 1 address
Street Address Street Address Line 2 City State / Province / Region Postal / Zip Code
Property 1 estimated current value*
Property 1: How much do you still owe?*
Property 1 is a*
2nd Home
Rental Property
Property 1: How much do you collect in rent per month?*
$
Do you owe even more property?*
No
Yes
Additional Properties? Please list any additional properties. The address, if 2nd home or rental, estimated current value, what you owe, how much rent collected each month.
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12/22
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YOUR INCOME
Please tell us a little bit about how much money you make at your job(s), and or about any other sources of income.
My pay is (example: per hour, per month, per year)?
All income listed is per?
Overtime?
Bonuses?
Commissions?
Dividends/Interest?
Include income from other sources below:
Alimony • Automobile Allowance • Boarder Income • Capital Gains • Child Support • Disability • Foster Care • Housing or Parsonage • Interest and Dividends • Mortgage Credit Certificate • Mortgage Differential Payments • Notes Receivable • Public Assistance • Retirement (e.g., Pension, IRA) • Royalty Payments • Separate Maintenance • Social Security • Trust • Unemployment Benefits • VA Comp
NOTE: Reveal alimony, child support, separate maintenance, or other income ONLY IF you want it considered in determining your qualification for this loan.
Other income source 1?
Source 1 amount per month?
Other income source 2?
Source 2 amount per month?
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13/22
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ABOUT THE NEW LOAN
Please tell us a bit about the new loan you desire.
Loan type I was thinking of:
Loan Term (10-years to 40-years)?
This property will be?
Main purpose of the refinance?
If needing additional money wanted, about how much?
Status of refinance process?
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14/22
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Refinancing your home address, or a different property?*
Home address
Different address
What is the subject property address?
Street Address Street Address Line 2 City State Postal / Zip Code
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15/22
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ABOUT YOUR CURRENT LOAN on the Subject Property
Please tell us a little bit about your current loan on the subject property. This will help us formulate options, and suggestions on what loan may be best for you.
What is your current monthly mortgage payment?
Does this include taxes and insurance?
Yes
No
How much is your yearly homeowners insurance (estimate if not known)
How much are your yearly property taxes (estimate if not know).$
Rate? What is the current loan interest rate (if known)?
Home type?*
Single family
Town home
Condo
Multi-Family
Is there an association? If yes, what are your monthly association dues?
Estimated value: How much do you estimate the home is worth today?
Loan Balance: How much do you still own on this property?
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16/22
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Purchase Year: What year did you buy this home? Estimate if not known.
Original Cost: What was the original cost of this home? Estimate if not known.
2nd Mortgage: Do you have a 2nd mortgage / home equity line of credit on this home?*
No
Yes
2nd Mortgage balance: If yes, about how much do you still owe?
2nd Mortgage payment: How much is the monthly payment on this loan?
Home equity line of credit:: If you have a HELOC, what is the maximum amount you can take out? (estimate if not known)
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17/22
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DECLARATIONS
Information about this property and your money for this loan.
A. Will you occupy the property as your primary residence?*
A2: If yes Have you had an ownership interest in a property in the last three years?
If yes to A1, What type of property did you own Principal Residence (PR), second home (SH), or investment property (IP)?
If yes to A2, How did you hold title to the home - solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?
B. If purchase, do you have a family relationship or business affiliation with the seller?
C. Are you borrowing any money for this real estate transaction (closing costs or down payment), or obtaining any money from another party, such as the seller, or realtor?*
If yes, what is the amount of this money?
$
D. 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?*
D2. Have you, or will you be applying for any new credit (car loan, credit card) on or before closing this transaction?*
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 through your property taxes?*
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18/22
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F. Are you a co-signor or guarantor on any debt or loan not disclosed on this application?*
G. Are there any outstanding judgments against you?*
H. Are you delinquent or in default on a federal debt? Example: IRS, federal student loans.*
I. Are you party to a lawsuit in which you potentially have any personal financial responsibility?*
J. Have you conveyed title to any property in lieu of foreclosure in the past 7-years?*
K. 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?*
l. Have you had a property foreclosed upon in the past 7-years?*
M. Have you declared bankruptcy in the past 7-years?*
If yes (M), what type of bankruptcy?
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19/22
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OTHER INFORMATION
Please write in any other information you feel is important for us to know or consider when making our decision. Include any special concerns, or 'weird' situations.
Other Information
How did you find out about us?
This information help's keep our advertising dollar effective, therefore reducing YOUR interest rate and closing costs!
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20/22
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GOVERNMENT MONITORING QUESTIONS
The purpose of collecting this information is to help ensure that all applicants are treated fairly, and that the housing needs of the communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires 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 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 the 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.
Your race?*
Race: Sub-Category, Asian*
Race: Sub-category, Native Hawaiian or other Pacific Islander*
Race: Sub-category, American Indian or Alaska Native. Enter Name of enrolled or principal tribe
Ethnicity?*
Ethnicity, Sub-category, Hispanic*
If Hispanic other, enter origin: Example: Argentinean, Columbian, Spaniard, etc.
Gender*
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FINAL STEP

Borrowers Certification & Authorization to Release Information and Important Information About Procedures For Opening A New Mortgage Loan Account

By submitting your mortgage application through our Secure Internet connection: I/We have applied for a mortgage loan with Cambria Mortgage Inc, hereinafter called the lender. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and the assets and liabilities I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information. I/We understand and agree that lender reserves the right to verify the information provided on the application with the employer and/or the financial institution. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014. I/We understand this pre-approval request is not to be construed as a complete application for credit and does not obligate the applicant in any way to lender. If desired, applicant may contact lender at anytime to finalize a formal credit application, and receive a Estimate of all closing costs and disclosures. As part of the application process, lender and the mortgage guaranty insurer (if any), may verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program. I/We authorize lender, and to any investor to whom lender may sell my mortgage, to obtain any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income; bank, money market and similar account balances; credit history; and copies of income tax returns. I/We authorize lender to obtain a copy of my/our credit report, and to make contact with me/us by mail, phone, cellphone, text message, or Email. Important Information About Procedures For Opening A New Mortgage Loan Account. To help the government fight the funding of terrorism and money laundering activities, Federal Law now requires all financial institutions to obtain, verify, and record information that identifies each person who opens a mortgage loan account. What this means to you: When you open a mortgage loan account, we will ask you 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. The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act of 2001, implementing customer identification and verification requirements. The information in no way will be used in making the credit decision on your completed application.

** By submitting, and by providing my/our social security number, I/we expressly authorize and permit the lender to pull my/our credit report(s). I agree that I have read, and understand the above disclosures.
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22/22
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Contact

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Equal Housing Lender. The Joe Metzler Team at Cambria Mortgage lends in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida only. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. Information here can become out of date, and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Not all programs available in all states. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. Joe Metzler, NMLS 274132, Cambria Mortgage NMLS 322798. © 1998 - 2024.