APEX, Mortgage Application

Uniform Residential Loan Application

I. TYPE OF MORTGAGE AND TERMS OF LOAN

Mortgage Applied for: VA FHA Conventional FmHA Other:
Agency Case Number	Lender Case Number	Amount $	Interest Rate	No. of Months
Amortization Type: Fixed Rate GPM Other (explain): ARM (type):

II. PROPERTY INFORMATION AND PURPOSE OF LOAN

Subject Property Address (street, city, state, & zip code)

No. of Units

Legal Description of Subject Property (attach description if necessary)

Year Built

Purpose of Loan	Purchase Refinance	Construction Construction-Permanent
	Other (explain):

Property will be:
Primary Residence
Secondary Residence
Investment

Complete these two lines if construction or construction-permanent loan.

Year Lot Acquired

Original Cost
$

Amount Existing Liens
$

(a) Present Value of Lot
$

(b) Cost of Improvements
$

Total (a + b)
$

Complete these two lines if this is a refinance loan.

Year Acquired

Original Cost
$

Amount Existing Liens
$

Purpose of Refinance

Describe Improvements
made to be made
Cost: $

Title will be held in what Name(s)

Manner in which Title will be held

Estate will be held in:
Fee Simple
Leashold
(show expiration date)

Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain)

III. BORROWER INFORMATION

Borrower

Borrower's Name (include Jr. or Sr. if applicable)
Social Security Number	Home Phone (incl. area code)	Age	Yrs. School
Married Separated Unmarried (include single, divorced, widowed)		Dependents (not listed by Co-Borrower) no. ages
Present Address (street, city, state, zip code) Own Rent ______No. Yrs.
*If residing at present address for less than two years, complete the following:*
Former Address (street, city, state, zip code) Own Rent ______No. Yrs.
Former Address (street, city, state, zip code) Own Rent ______No. Yrs.

Co-Borrower

Co-Borrower's Name (include Jr. or Sr. if applicable)
Social Security Number	Home Phone (incl. area code)	Age	Yrs. School
Married Separated Unmarried (include single, divorced, widowed)		Dependents (not listed by Co-Borrower) no. ages
Present Address (street, city, state, zip code) Own Rent ______No. Yrs.
*If residing at present address for less than two years, complete the following:*
Former Address (street, city, state, zip code) Own Rent ______No. Yrs.
Former Address (street, city, state, zip code) Own Rent ______No. Yrs.

IV. EMPLOYMENT INFORMATION

Borrower

Name & Address of Employer Self Employed	Yrs. on this job
Name & Address of Employer Self Employed	Yrs. employed in this line of work/profession
Position/Title/Type of Business	Business Phone (incl. area code)
*If employed in current position for less than two years or if currently employed in more than one position, complete the following:*
Name & Address of Employer Self Employed	Dates (from-to)
Name & Address of Employer Self Employed	Monthly Income $
Position/Title/Type of Business	Business Phone (incl. area code)
Name & Address of Employer Self Employed	Dates (from-to)
Name & Address of Employer Self Employed	Monthly Income $
Position/Title/Type of Business	Business Phone (incl. area code)

Co-Borrower

Name & Address of Employer Self Employed	Yrs. on this job
Name & Address of Employer Self Employed	Yrs. employed in this line of work/profession
Position/Title/Type of Business	Business Phone (incl. area code)
*If employed in current position for less than two years or if currently employed in more than one position, complete the following:*
Name & Address of Employer Self Employed	Dates (from-to)
Name & Address of Employer Self Employed	Monthly Income $
Position/Title/Type of Business	Business Phone (incl. area code)
Name & Address of Employer Self Employed	Dates (from-to)
Name & Address of Employer Self Employed	Monthly Income $
Position/Title/Type of Business	Business Phone (incl. area code)

V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Monthly Income	Borrower	Co-Borrower	Total	Combined Monthly Housing Expense	Present	Proposed
Base Empl. Income*	$	$	$	Rent	$
Overtime				First Mortgage (P & I)		$
Bonuses				Other Financing (P & I)
Commissions				Hazard Insurance
Dividends/Interest				Real Estate Taxes
Net Rental Income				Mortgage Insurance
OTHER (before completing, see the notice in "describe other income," below)				Homeowner Assn. Dues
				Other:
Total	$	$	$	Total	$	$

Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.

Describe Other Income
Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

B/C		Monthly Amount
		$

VI. ASSETS AND LIABILITIES

This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise separate Statements and Schedules are required. If the Co-Borrower section was completed about a spouse, this Statement and supporting schedules must be completed about that spouse also.
ASSETS Description	Cash or Market Value
Cash deposit toward purchase held by: /td>	$
*List checking and savings accounts below*
Name and address of Bank, S & L, or Credit Union
Acct. No.	$
Name and address of Bank, S & L, or Credit Union
Acct. No.	$
Name and address of Bank, S & L, or Credit Union
Acct. No.	$
Name and address of Bank, S & L, or Credit Union
Acct. No.	$
Stocks & Bonds (Company name/number & description)	$
Life insurance net cash value Face amount: $	$
Subtotal Liquid Assets	$
Real estate owned (enter market value from schedule of real estate owned)	$
Vested interest in retirement fund	$
Net worth of business(es) owned (attach financial statement)	$
Automobiles owned (make and year)	$
Other Assets (itemize)	$
Total Assets a.	$

Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use a continuation sheet, if necessary. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinancing of the subject property.
LIABILITIES	Monthly Payt. & Mos. Left to Pay	Unpaid Balance
Name and address of Company	$ Payt./Mos.	$
Acct. No.
Name and address of Company	$ Payt./Mos.	$
Acct. No.
Name and address of Company	$ Payt./Mos.	$
Acct. No.
Name and address of Company	$ Payt./Mos.	$
Acct. No.
Name and address of Company	$ Payt./Mos.	$
Acct. No.
Name and address of Company	$ Payt./Mos.	$
Acct. No.
Name and address of Company	$ Payt./Mos.	$
Acct. No.
Alimony/Child Support/Separate Maintenance Payments Owed to:	$
Job Related Expense (child care, union dues, etc.):	$
Total Monthly Payments	$
Total Liabilities b.		$

Net Worth (a minus b)

VII. DETAILS OF TRANSACTION

a. Purchase price	$
b. Alterations, improvements, repairs
c. Land (if acquired separately)
d. Refinance (incl. debts to be paid off)
e. Estimated prepaid items
f. Estimated closing costs
g. PMI, MIP, Funding Fee
h. Discount (if Borrower will pay)
i. Total costs (add items a through h)
j. Subordinate financing
k. Borrower's closing costs paid by Seller
l. Other Credits (explain)
m. Loan amount (exclude PMI, MIP, Funding Fee financed)
n. PMI, MIP, Funding Fee financed
o. Loan amount (add m & n)
p. Cash from/to Borrower (subtract j, k, l & o from i)

VIII. DECLARATIONS

If you answer "yes" to any questions a through i, please use a continuation sheet for explanation.	Borrower	Co-Borrower
a. Are there any outstanding judgements against you?	Yes No	Yes No
b. Have you been declared bankrupt within the past 7 years?	Yes No	Yes No
c. Have you had preperty foreclosed upon or given title or deed in lieu thereof in the last 7 years?	Yes No	Yes No
d. Are you a party to a lawsuit?	Yes No	Yes No
e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgement? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If "Yes," provide details, including date, name and address of Lender, FHA or VA case number, if any, and reasons for the action.)	Yes No	Yes No
f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes," give details as described in the preceding.	Yes No	Yes No
g. Are you obligated to pay alimony, child support, or separate maintenance?	Yes No	Yes No
h. Is any part of the down payment borrowed?	Yes No	Yes No
i. Are you a co-maker or endorser on a note?	Yes No	Yes No
j. Are you a U.S. citizen?	Yes No	Yes No
k. Are you a permanent resident alien?	Yes No	Yes No
l. Do you intend to occupy the property as your primary residence? If "Yes," complete question m below.	Yes No	Yes No
m. Have you had an ownership interest in a property in the last three years?	Yes No	Yes No
(1) What type of property did you own - principal residence (PR), second home (SH), or investment property (IP)?	______________	______________
(2) How did you hold title to the home - solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)?	______________	______________

IX. ACKNOWLEDGEMENT AND AGREEMENT

The undersigned specifically acknowledge(s) and agree(s) that: (1) the loan requested by this application will be secured by a first mortgage or deed of trust on the property described herein; (2) the property will not be used for any illegal or prohibited purpose or use; (3) all statements made in this application are made for the purpose of obtaining the loan indicated herein; (4) occupation of the property will be as indicated above; (5) verification or reverification of any information contained in the application may be made at any time by the Lender, its agents, successors and assigns, either directly or through a credit reporting agency, from any source named in this application, and the original copy of this application will be retained by the Lender, even if the loan is not approved; (6) the Lender, its agents, successors and assigns will rely on the information contained in the application and I/we have a continuing obligation to amend and/or supplement the information provided in this application if any of the material facts which I/we have represented herein should change prior to closing; (7) in the event my/our payments on the loan indicated in this application become delinquent, the Lender, its agents, successors and assigns, may, in addition to all their other rights and remedies, report my/our name(s) and account information to a credit reporting agency; (8) ownership of the loan may be transferred to successor or assign of the Lender without notice to me and/or the administration of the loan account may be transferred to an agent, successor or assign of the Lender with prior notice to me; (9) the Lender, its agents, successors and assigns make no representations or warranties, express or implied, to the Borrower(s) regarding the property, the condition of the property, or the value of the property. Certification: I/We certify that the information provided in this application is true and correct as of the date set forth opposite my/our signature(s) on this application and acknowledge my/our understanding that any intentional or negligent misrepresentation(s) of the information contained in this application may result in civil liability and/or criminal penalties including but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq. and liability for monetary damages to the Lender, its agents, successors and assigns, insurers and any other person who may suffer any loss due to reliance upon any misrepresentation which I/we have made on this application.
Borrower's Signature X	Date
Co-Borrower's Signature X	Date

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES

The following information is requested by the Federal Government for certain types of loans related to a dwelling, in order to monitor the Lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a Lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it. However, if you choose not to furnish it, under Federal regulations this Lender is required to note race and sex on the basis of visual observation or surname. If you do not wish to furnish the above information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.)
Borrower		Co-Borrower
	I do not wish to furnish this information		I do not wish to furnish this information
Race/National Origin:	American Indian or Alaskan Native Asian or Pacific Islander White, not of Hispanic origin Black, not of Hispanic origin Hispanic Other (specify)	Race/National Origin:	American Indian or Alaskan Native Asian or Pacific Islander White, not of Hispanic origin Black, not of Hispanic origin Hispanic Other (specify)
Sex:	Female Male	Sex:	Female Male

Once completed, please mail this form to:

4630 Campus Drive, Suite 200
Newport Beach, CA 92660 USA
eFax: 775-667-8234 Paper Fax: 714-901-5727
www.apexca.com

For questions and more information, call 800-307-5241. Thank you!