Allura Financial

Loan Application -
Borrower Details
Loan Application -
Transaction Details
Loan Application - Co-borrower Details(Optional)
Submit

Loan Application - Borrower Details

Step 1 - 4

Borrower / Authorized Signer Information

Individual’s Name

Marital Status

Married Unmarried Separated

Primary Residence Address

City

State

Zip Code

Do you own or rent your primary residence:

Own Rent

Number of years at primary residence?

Mailing Address (if different from primary residence):

Est. Credit Score

Annual Income: $

Liquid Assets: $

Primary Phone Number

Secondary Phone Number

Email Address

Date of Birth

Social Security Number (or ITIN)

Employment Information

Self-Employed:

Yes No

Employer Name

Position & Title

Employer Phone Number

Employer Address

Declarations / Questionnaire

Please check YES or NO for each of the following questions	Borrower
Please check YES or NO for each of the following questions	Yes	No
Are there any outstanding judgments against you?
Have you been declared bankrupt within the last seven (7) year?
Have you or any other entity of which you were/are a principal been in foreclosure or had any property that was foreclosed upon
Are you party to lawsuit?
Are you presently delinquent on any federal debt or any other loan, mortgage, financial obligation, bond or loan guarantee?
Have you ever been convicted of a felony?
Are you in a Civil Union or a Domestic Partnership?
Do you have a non-borrowing spouse, or are you a party to a Designated Beneficiary Agreement?
Are you a U.S. citizen?
Do you intend to occupy the property as your primary residence?

Information For Government Monitoring Purposes

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 designation 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.

Authorization

Borrower / Authorized Signer Name (print)

Signature (Borrower / Authorized Signer)

Date

Loan Application - Co-borrower Details(Optional):

Step 3 - 4

Co-borrower / Authorized Signer Information

Individual’s Name

Marital Status

Married Unmarried Separated

Primary Residence Address

City

State

Zip Code

Do you own or rent your primary residence:

Own Rent

Number of years at primary residence?

Mailing Address (if different from primary residence):

Est. Credit Score

Annual Income: $

Liquid Assets: $

Primary Phone Number

Secondary Phone Number

Email Address

Date of Birth

Social Security Number (or ITIN)

Employment Information

Self-Employed:

Yes No

Employer Name

Position & Title

Employer Phone Number

Employer Address

Declarations / Questionnaire

Please check YES or NO for each of the following questions	Co-Borrower
Please check YES or NO for each of the following questions	Yes	No
Are there any outstanding judgments against you?
Have you been declared bankrupt within the last seven (7) year?
Have you or any other entity of which you were/are a principal been in foreclosure or had any property that was foreclosed upon
Are you party to lawsuit?
Are you presently delinquent on any federal debt or any other loan, mortgage, financial obligation, bond or loan guarantee?
Have you ever been convicted of a felony?
Are you in a Civil Union or a Domestic Partnership?
Do you have a non-borrowing spouse, or are you a party to a Designated Beneficiary Agreement?
Are you a U.S. citizen?
Do you intend to occupy the property as your primary residence?

Information For Government Monitoring Purposes

Authorization

Co-Borrower / Authorized Signer Name (print)

Signature (Borrower / Authorized Signer)

Date

Loan Application - Disclosures & Authorization (Co-borrower)

Declaration Of Non-owner Occupancy & Business Use Of Proceeds

I (“Borrower”) certify and represent to lender (“Originator”) as follows: I hereby declare that I have no intention of making the property (subject property listed in my loan application) my principal residence.

Additionally, I declare that I have no intention of utilizing the property as a second home and/or any surviving spouse or family member shall live in the property. I understand that this loan is a business purpose loan and not a household purpose loan. The loan proceeds are intended to be used and shall be used for business purpose only, not for personal use.

I represent that I understand the difference between consumer loan for personal purposes and a commercial loan for business purposes. I represent that this loan is not a consumer loan and therefore is not subject to any laws relating to consumer loans under any state or federal laws such as Truth in Lending Act (15 U.S.C. § 1601 et seq.), Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.), Gramm-Leach Bliley Act (15 U.S.C. §§ 6802–6809), Secure and Fair Enforcement Mortgage Licensing Act (12 U.S.C. § 5101 et seq.), and Homeowners Protection Act (12 U.S.C. § 4901 et seq.).

I realize the lender, broker, assignees and successors rely upon this information. I confirm I have read and understand this document. I declare under penalty of perjury the foregoing is true and correct.

Initial:

Authorization To Conduct Credit & Background Check

By signing this form, I/we hereby authorize lender to conduct a background and/or credit check. Additionally, the undersigned and each party to this loan, authorizes lender to disclose to any third party, employee, agent or assignee thereof information regarding background and credit experience.

I 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, 1014. I also understand that the lender intends to use the data obtained through the investigation for due diligence purposes only, and shall not disclose such information to any other party.

Initial:

Notice Of Right To Copy Of Appraisal (Ecoa)

This notice is being provided to you pursuant to 12 CFR § 1002.14(a).

We may order an appraisal to determine the property’s value and charge you for this appraisal. We will give you a copy of any appraisal or other written valuations promptly upon receipt, even if your loan does not close.

You can pay for an additional appraisal for your own use at your own cost.

You are entitled to receive copies of appraisal reports and other written valuations obtained in connection with your application for credit at least 3 business days prior to the time you become contractually obligated on the transaction (for closed-end credit) or account opening (for open-end credit), whichever is earlier. You have the right to waive the 3 business-day waiting period.

ACKNOWLEDGEMENT

By signing below, I acknowledge the following:

I understand that I have the right to receive a copy of the appraisal reports and other written valuations obtained in connection with my loan application 3 or more business days prior to my loan closing.
I am exercising my right to waive the 3 business day review period prior to closing; and
I understand that, regardless of whether I sign this waiver, I will receive a copy of the appraisal reports at or before closing.

Initial:

Please select:

Step 4 - 4

Fix and Flip Rental Properties Refinance

Fix and Flip

Purchase Agreement

Scope of Work (Repair Budget)

Proof of Insurance

2 Bank Statements

Photo ID

LLC Documents - Articles of Incorporation/ Operating Agreement/ EIN Letter

Rental Properties

Purchase Agreement

Proof of Insurance

2 Bank Statements

Photo ID

LLC Documents - Articles of Incorporation/ Operating Agreement/ EIN Letter

Refinance

Current Lease

Proof of Insurance

2 Bank Statements

Photo ID

LLC Documents - Articles of Incorporation/ Operating Agreement/ EIN Letter

Borrower	I do not wish to provide this information	Race	I do not wish to provide this information Name of Enrolled Tribe Asian Asian Indian Chinese Filipino Japanese Korean Vietnamese Other Asians Black or African American Native Hawaiian or Other Pacific Islander Native Hawaiian Samoan Guamanian or Chamorro Other Pacific Islander White
Sex	Female Male
Ethnicity	Hispanic or Latino Mexican Puerto Rican Cuban Other Hispanic or Latino Not Hispanic or Latino

Transaction Type:	Purchase Purchase Price (if applicable): $ Rate & Term Refinance Cash-Out Refinance If cash-out refinance, how do you intend to use the cash-out proceeds? Please explain in detail.
Estimated Property Value (Total):$
Loan Amount Requested (Total):$
Loan Term Request:	5/1 ARM 7/1 ARM 10/1 ARM 30 year Fixed

Escrow / Settlement Agent Information
Company Name:		Phone Number:
Settlement Agent:		Email:
Insurance Agent Information
Company Name:		Phone Number:
Insurance Agent:		Email:

Co-Borrower	I do not wish to provide this information	Race	I do not wish to provide this information Name of Enrolled Tribe Asian Asian Indian Chinese Filipino Japanese Korean Vietnamese Other Asians Black or African American Native Hawaiian or Other Pacific Islander Native Hawaiian Samoan Guamanian or Chamorro Other Pacific Islander White
Sex	Female Male
Ethnicity	Hispanic or Latino Mexican Puerto Rican Cuban Other Hispanic or Latino Not Hispanic or Latino

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Rental Property Application

Rental Property Application

Loan Application - Borrower Details

Step 1 - 4

Borrower / Authorized Signer Information

Marital Status

Do you own or rent your primary residence:

Employment Information

Self-Employed:

Declarations / Questionnaire

Information For Government Monitoring Purposes

Authorization

Loan Application - Transaction Details:

Step 2 - 4

Loan Request Information

Borrower / Entity Information

Type

Loan Application - Borrower Details

Declaration Of Non-owner Occupancy & Business Use Of Proceeds

Authorization To Conduct Credit & Background Check

Notice Of Right To Copy Of Appraisal (Ecoa)

ACKNOWLEDGEMENT

Loan Application - Co-borrower Details(Optional):

Step 3 - 4

Co-borrower / Authorized Signer Information

Marital Status

Do you own or rent your primary residence:

Employment Information

Self-Employed:

Declarations / Questionnaire

Information For Government Monitoring Purposes

Authorization

Loan Application - Disclosures & Authorization (Co-borrower)

Declaration Of Non-owner Occupancy & Business Use Of Proceeds

Authorization To Conduct Credit & Background Check

Notice Of Right To Copy Of Appraisal (Ecoa)

ACKNOWLEDGEMENT

Please select:

Step 4 - 4

Fix and Flip