Uniform Residential Loan Application

Transcripción

1 Uniform Residential Loan Application This application is designed to be completed by the applicant(s) with the lender s assistance. Applicants should complete this form as Borrower or Co-Borrower, as applicable. Co-Borrower information must also be prov ided (and the appropriate box checked) when the income or assets of a person other than the Borrower (including the Borrower s spouse) will be used as a basis for loan qualification or the income or assets of the Borrower s spouse will not be used as basis for loan qualification, but his or her liabilities must be considered because the Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan. Mortgage Applied for: V.A. Conventional I. TYPE OF MORTGAGE AND TERMS OF LOAN Agency Case No. Other: FHA FmHA Amount Interest Rate No. of Months Amortization Fixed Rate Other (explain): % Type: GPM ARM (type): II. PROPERTY INFORMATION AND PURPOSE OF LOAN Subject Property Address (street, city, state, ZIP) Lender Case Number No. of Units Legal Description of Subject Property (attached description if necessary) Year Built Purpose of Loan Purchase Refinance Construction Construction-Permanent Complete this line if construction or construction-permanent loan. Year Lot Acquired Original Cost Amount of Existing Liens Complete this line if this is a refinance loan. Year Acquired Original Cost Amount Existing Liens Title will be held in what Name(s) Other (explain): Purpose of Refinance Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain) (a) Present Value of Lot Property will be: Primary Residence Describe Improvements Manner in which Title will be held (b) Cost of Improvements Secondary Residence Borrower III. BORROWER INFORMATION Co-Borrower Borrower s Name (include Jr. or Sr. if applicable) Co-Borrower s Name (include Jr. or Sr. if applicable) Total (a + b) made Cost: Estate will be held in: Fee Simple Investment to be made Leasehold (show expiration date) Social Security Number Home Phone (incl. area code) Age Yrs. School Social Security Number Home Phone (incl. area code) Age Yrs. School Married Separated Dependents (not listed by Co-Borrower) Unmarried (includes single, divorced, widowed) No. Ages Present Address (street, city, state, ZIP) Own Rent Married Separated No. Yrs. Present Address (street, city, state, ZIP) Unmarried (includes Dependents (not listed by Borrower) single, divorced, widowed) No. Ages Own Rent No. Yrs. If residing at present address for less than two years, complete the following: Former Address (street, city, state, ZIP) No. Yrs. Former Address (street, city, state, ZIP) Own Rent Own Rent No. Yrs. Former Address (street, city, state, ZIP) Own Rent No. Yrs. Former Address (street, city, state, ZIP) Own Rent No. Yrs. Name & Address of Employer Self-Employed IV. EMPLOYMENT INFORMATION Yrs. on this Job Name & Address of Employer Self-Employed Yrs. on this Job Yrs. employed in this line of work/ profession Yrs. employed in this line of work/ profession Position/Title/Type of Business Business Phone (incl. area code) 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 Dates (from to) Self-Employed Name & Address of Employer Self-Employed Dates (from to) Monthly Income Monthly Income Position/Title/Type of Business Business Phone (include area code) Position/Title/Type of Business Business Phone (include area code) Name & Address of Employer Self-Employed Dates (from to) Name & Address of Employer Self-Employed Dates (from to) Monthly Income Monthly Income Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code) Freddie Mac Form 65 10/92 Fannie Mae Form /92 Page 1 of 4 VMP Mortgage Forms (800)

2 V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION Gross Monthly Income Borrower Co-Borrower Total Continued Monthly Housing Expense Present Proposed Base Empl. Income* Rent Overtime First Mortgage (P&I) Bonuses Commissions Dividends/Interest Net Rental Income Other (before completing, see the notice in describe other income, below) Other Financing (P&I) Hazard Insurance Real Estate Taxes Mortgage Insurance Homeowner Assn. Dues Total Total Other: *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/C (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan. 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. Completed Jointly Not Jointly ASSETS Cash or Liabilities and Pledged Assets. List the creditor s name, address and account number for all Description Cash deposit toward purchase held by: Market Value outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use 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 Pmt. & Mos. Left to Pay Unpaid Balance List checking and savings accounts below Name and address of Company Pmt./Mos. Name and address of Bank, S&L, or Credit Union Acct. no. Name and address of Company Pmt./Mos. Name and address of Bank, S&L, or Credit Union Acct. no. Name and address of Company Pmt./Mos. Name and address of Bank, S&L, or Credit Union Acct. no. Name and address of Company Pmt./Mos. Name and address of Bank, S&L, or Credit Union Acct. no. Name and address of Company Pmt./Mos. 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) Name and address of Company Pmt./Mos. Vested interest in retirement fund Name and address of Company Pmt./Mos. Net worth of business(es) owned (attach financial statements) Automobiles owned (make and year) Other Assets (itemized) Alimony/Child Support/Separate Maintenance Payments Owed to: Job Related Expense (child care, union dues, etc.) Total Monthly Payments Total Assets a. Net Worth (a minus b) Total Liabilities b. Freddie Mac Form 65 10/92 Page 2 of 4 Fannie Mae Form /92

3 VI. ASSETS AND LIABILITY (cont.) Schedule of Real Estimate Owned (If additional properties are owned, use continuation sheet.) Property Address (enter S if sold, PS if pending sale or R if rental being held for income) Type of Property Present Market Value Amount of Mortgages & Liens Gross Rental Income Mortgage Payments Insurance, Maintenance, Taxes & Misc. Totals List any additional names under which credit has previously been received and indicate appropriate creditor names(s) and account number(s): Alternate Name Creditor Name Account Number Net Rental Income VII. DETAILS OF TRANSACTION VIII. DECLARATIONS a. Purchase price If you answer Yes to any questions a through i, please use continuation Borrower Co-Borrower b. Alteration s improvements, repairs sheet for explanation. Yes No Yes No c. Land (if acquired separately) a. Are there any outstanding judgments against you? d. Refinance (incl. Debts to be paid off) b. Have you been declared bankrupt within the past 7 years? e. Estimated prepaid items c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? f. Estimated closing costs d. Are you a party to a lawsuit? 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) e. Have you directly or indirectly been obligated on any loan which results in foreclosure, transfer of title in lieu of foreclosure, or judgment? (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 V.A. case number, if any and reasons for the action.) 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 question. g. Are you obligated to pay alimony, child support, or separate maintenance? h. Is any part of the down payment borrowed? i. Are you a co-maker or endorser on a note? j. Are you a U.S. citizen? k. Are you a permanent resident alien? m. Loan amount (exclude PMI, MIP, l. Do you intend to occupy the property as your primary residence? Funding Fee financed) If Yes, complete question m below. n. PMI, MIP, Funding Fee financed m. Have you had an ownership interest in a property in the last three years? o. Loan amount (add m & n) (1) What type of property did you own-principal residence (PR), second home (SH), or investment property (IP)? p. Cash from/to Borrower (2) How did you hold title to the home-solely by yourself (S), jointly with (subtract j, k, l & o from i) your spouse (SP), or jointly with another person (O)? IX. ACKNOWLEDGMENT 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 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 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 encourage 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 Race/ I do not wish to furnish this information White, not of Hispanic origin Race/ I do not wish to furnish this information White, not of Hispanic origin National American Indian or Asian or Other (specify) National American Indian or Asian or Other (specify) Origin: Alaskan native Pacific Islander Origin: Alaskan native Pacific Islander Black, not of Hispanic Sex: Female Black, not of Hispanic Sex: Female Hispanic origin Male Hispanic origin Male To be Completed by Interviewer This application was taken by: Interviewer s Name (print or type) Name and Address of Interviewer s Employer Face-to-face interview By mail By telephone Interviewer s Signature Date Interviewer s Phone Number (incl. area code) Freddie Mac Form 65 10/92 Page 3 of 4 Fannie Mae form /92 Date:

4 Continuation Sheet/Residential Loan Application Use this continuation sheet if you need more space to complete the Residential Loan Application. Mark B for Borrower or C for Co-Borrower. Borrower: Co-Borrower: Agency Case Number: Lender Case Number: I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of the Title 18, United States Code, Section 1001, et seq. Borrower s Signature: X Date: Co-Borrower s Signature: X Date: Freddie Mac Form 65 10/92 Page 4 of 4 Fannie Mae Form /92

5 Cuestionario de Prestamo Hipotecario Por favor complete este cuestionario entero. Cuando completo, por favor firme el cuestionario y mandelo a InterBanc Mortgage Services con la Forma de Aplicacion de Prestamo firmada, la forma de Autorizacion y los articulos en la lista de reviso. Si usted tiene , por favor proveer. Cuanto de pronto dara? Cual es la direccion de la propiedad que usted esta comprando? Cual es su nombre? (Incluya Menor o Seniorr si applicable) Tiene un numero social? Si contesta "si" provea el numero. Cual es su numero de telefono? Fax en casa? Cual es su edad? Esta casado, soltero o divorciado? Tiene dependientes? Si contesta "si", que son las edades? Cual es su direccion presente? Renta o es dueno? Cuanto tiempo ha vivido aqui? Cuanto es su pago mensual? Si es propietario, cual es el valor de su casa? Sera vendidad o rentada? Si ha residido en la presente direccion por menos de dos anos, cual fue su direccion anterior? Rento o era dueno de su residencia previa? Por cuanto tiempo? Cual es el nombre de su empresario presente? Cual es su posicion/tipo de negocio? Interbanc Mortgage Services (IMS) 1

6 Cuantos anos ha pasado en su empleo presente? Cual es el telefono de trabajo? Fax? Cuanto son sus ingresos mensuales recibido de su empresario? Si usted ha sido empleado en su posicion presente por menos de dos anos o si al momento es empleado en mas de una posicion, provea el nombre y direccion del empresario. Que fechas fue empleado? Cuanto eran sus ingresos mensuales? Cual era su posicion/tipo de negocio? Telefono? Tiene ingresos de otras fuentes? Si, por favor explique, describa la fuente y el total mensual. Si esta applicando con otra persona, por favor complete la siguientes para el co-prestatario: Cual es su nombre? (Incluya Menor o Senior si applicable) Tiene un numero social? Si contesta "si" provea el numero. Cual es su numero de telefono? Fax en casa? Cual es su edad? Esta casado, soltero o divociado? Tiene dependientes? Si contesta "si", que son las edades? Cual es su direccion presente? Renta o es dueno? Cuanto tiempo a vivido aqui? Cuanto es su pago mensual? Si es propietario, cual es el valor de su casa? Sera vendidad o rentada? Si ha residido en la presenta direccion por menos de dos anos, cual fue su direccion anterio? Interbanc Mortgage Services (IMS) 2

7 Rento o era dueno de su residencia previa? Por cuanto tiempo? Cual es el nombre de su empresario presente? Cual es su posicion/tipo de negocio? Cuantos anos ha pasado en su empleo presente? Cual es el telefono de trabajo? Fax? Cuanto son sus ingresos mensuales recibido de su empresario? Si usted ha sido empleado en su posicion presente por menos de dos anos o si al momento es empleado en mas de una posicion, provea el nombre y direccion del empresario. Que fechas fue empleado? Cuanto eran sus ingresos mensuales? Que era su posicion/tipo de negocio? Telefono? Tiene ingresos de otras fuentes? Si, por favor explique, describa la fuente y el total mensual. Por favor aliste cuentas de ahoro, corriente o otras cuentas que puedan verificar sus activos: (1) Nombre: Direccion: Numero de Cuenta Numero de fax: (2) Nombre: Direccion: Numero de Cuenta Numero de fax: (3) Nombre: Direccion: Numero de Cuenta Numero de fax: (4) Nombre: Direccion: Interbanc Mortgage Services (IMS) 3

8 Numero de Cuenta Numero de fax: Por favor aliste prestamos de automobil, prestamos con plazos, prestamos hipotecario, cuentas de tarjetas de credito, pagos de mantenimiento para hijos, etcetera con balances debidos: (1) Nombre de acredito: Direccion: Balance Numero de cuenta Pago mensual (2) Nombre de acredito: Direccion: Balance (3) Nombre de acredito: Direccion: Balance (4) Nombre de acredito: Direccion: Balance Numero de cuenta Pago mensual (5) Nombre de acredito: Direccion: Balance (6) Nombre de acredito: Direccion: Balance Es dueno de otros bienes o inmuebles? Si, por favor conteste la siguiente preguntas: (1) Direccion de propiedad: Tipo de propiedad Valor Presente Cantidad Hipotecada Pago Ingresos de Renta Bruta Impuestos, Seguros, Mantenimiento, etc. (2) Direccion de propiedad: Tipo de propiedad Valor Presente Cantidad Hipotecada Pago Ingresos de Renta Bruta Impuestos, Seguros, Mantenimiento, etc. (3) Direccion de propiedad: Tipo de propiedad Interbanc Mortgage Services (IMS) 4

9 Valor Presente Cantidad Hipotecada Pago Ingresos de Renta Bruta Impuestos, Seguros, Mantenimiento, etc. (4) Direccion de propiedad: Tipo de propiedad Valor Presente Cantidad Hipotecada Pago Ingresos de Renta Bruta Impuestos, Seguros, Mantenimiento, etc. Por favor conteste la siguientes preguntas para todo prestatarios: * Hay juicos pendiente contra usted? Prestatario Co-Prestatario * Ha declarado bancarota en los pasado siete anos? Prestatario Co-Prestatario * Ha tenido apertura de un juico hipotecario contra una propiedad o entregado el titulo en cambio durante los pasado siete anos? Prestatario Co-Prestatario * Es parte de una demanda judicial? Prestatario Co-Prestatario * Ha directamente o indirectamente sido obligado a un prestamo que resulto en apertura de juicio hipotecario, incluyendo prestamos de residencia, prestamos SBA, prestamos para mejora de residencia o prestamos educacional? Prestatario Co-Prestatario * Esta obligado a pagar alimentacion o mantenimiento de hijos? Prestatario Co-Prestatario * Es una parte del pronto prestado? Prestatario Co-Prestatario * Eres un endosante en una nota? Prestatario Co-Prestatario * Eres un Ciudadano Americano? Prestatario Co-Prestatario * Eres un extranjero permanente? Prestatario Co-Prestatario * Tiene intencion de ocupar la propiedad como su residencia primaria? Prestatario Co-Prestatario Si, conteste la siguiente pregunta: Interbanc Mortgage Services (IMS) 5

10 * Ha tenido interes como dueno en propiedad durante los pasado tres anos? Prestatario Co-Prestatario Si, que tipo de propiedad eras dueno, residencia principal, secundaria o inversionista? Prestatario Co-Prestatario Como aguantaba titulo, solo, conyuge o con otra persona? Prestatario Co-Prestatario Firma de Prestatario Fecha Firma de Co-Prestatario Fecha Interbanc Mortgage Services (IMS) 6

11 INFORMACION NECESSARIA PARA COMPLETAR SU APLICACION Documentacion Sin Ingresos para Compradores Domestico 1. Si al presente o dentro de los pasados dos anos renta, provea el nombre del dueno de la propiedad (y telefono si esta disponible), y direccion para verificar su historia de renta. 2. Copias de estados de toda cuentas (de ahoro, corriente) por los pasado tres meces. 3. Si el pronto es un regalo o de otra fuente, por favor communiquese con nosotros para mas instrucciones. La fuente de estos fondos se necessita verificar y el papeleo necessario dependara en su situacion specifica. 4. Provea un cheque o un giro postal de para reportes de credito y valoracion. 5. Si es empleado por si mismo, provea un carta del contador explicando el tiempo operando. Si no es empleado por si mismo, provea una carta de su empleado verificando su posicion y tiempo empleado. INFORMACION NECESSARIA PARA COMPLETAR SU APLICACION 1. Si usted es asalariado (no empleado por si misma) necessita copias de sus mas recientes comprovantes de cheques por un mes y W2 s por los pasado dos anos. 2. Si usted es empleado por si mismo o cuenta con ingresos de inversiones, necesitamos copias firmada de su declaracion fiscal incluyendo todo tarifas??? Por los pasado dos anos y su mas reciente estado de ganancias y perdidas. Si su compania es una copoacion o asociacion, por favor provea las declaraciones por los pasado dos anos. 3. Si usted deriva ingreso de propiedades rentada, necesitamos copias de contrato de arrendamiento. Si usted recibe Social Security o Ingreso de Retiro, necessita copias corriente de Cartas Concediendo. 4. Si al presente o durante los pasado dos anos ha rentado, provea el nombre del dueno de la propiedad (y telefono si esta disponible), y direccion para verificar su histoia de renta. 5. Copias de estados de toda cuentas (de ahoro, y corriente) por los pasado tres meces. 6. Si el pronto es un regalo o de otro fuentes, por favor communiquese con nosotros para mas instrucciones. La fuente de estos fondos se necessita verificar y el papeleo necessario dependara en su situacion specifica. 7. Provea un cheque o un giro postal para reportes de credito y valoracion: 330 para prestamo FHA y VA; 375 para Convencional. Por favor mande a: InterBanc Mortgage Services, Inc. 237 Lookout Place, Second Floor Maitland, FL USA Interbanc Mortgage Services (IMS) 7

12 INFORMACION NECESSARIA PARA COMPLETAR SU APLICACION 1. Pasado tres meces de estado de cuenta o estado de cuenta trimestral, o carta del banco con el bala nce al momento y el balance corriente por los pasados dos meces cartas originales de bancos o instituciones bancaria en Ingles. 3. Se necesita verificar tenediendo sufficiente dinero para el cierre mas nueve meces pagos PITI en una cuenta en los Estados Unidos antes del cierre. 4. Copias del pasaporte y visa. 5. Pasado tres meces de estado de cuenta de tarjetas de credito. 6. Si su casa esta paga, se necessita copia de escritura de contracto. Si usted vive en casa rentada o si su casa tiene hipoteca, se necessita una carta de referencia. 7. Por favor envie un Giro Postal o U.S. Travelers Cheque de Nombre y telephono de fax de bancos o sociedades. 9. Si usted es empleado por si mismo, se necessita una carta de su contador indicando los anos en operacion. Si no, se necesita una carta de su empleado verificando su posicion y tiempo empleado. INFORMACION NECESSARIA PARA COMPLETAR SU APLICACION 1. Pasado tres meces de estado de cuenta o copia de libro de estado de cuenta cubriendo los pasados tres meces de operaciones o carta del banco con el balance al momento y el balance corriente por los pasados dos meces. 2. Carta de referencia de Sociedad o Banco verificando pago mensual hipotecario, balance, fecha de inicio y commentario sobre los pagos hecho a tiempo. 3. Copias del mas reciente estado de cuenta de tarjetas de credito. 4. Se necesita verificar tenediendo sufficiente dinero para el cierre mas nueve meces pagos PITI en una cuenta en los Estados Unidos antes del cierre. 5. Cartas de referencia de cualquier otro acreditado o creditadoes anteriores verificando que los pagos se hicieron a tiempo, fecha de inicio o el nombre de la institucion, numero de cuenta y telephono. 6. Copies de pasados dos anos de estado de cuentas financiero y los mas recientes comprobantes de cheques cubriendo los pasados treinta dias. 7. Dos cartas de referencia de bancos o Sociedades o nombres de personas en cargo, y telephonos de bancos. 8. Si el pronto viene de un prestamo de casa, se necessita una copia de la hipoteca. 9. Si usted es empleado por si mismo, se necessita copias de los ultimos dos anos de impuestos y cuentas de ganancias y perdidas corriente. 10. Por favor envie un Giro Postal o U.S. Travelers Cheque de Nombre y telephono de fax de bancos o sociedades. Por favor mande a: InterBanc Mortgage Services, Inc. 237 Lookout Place, Second Floor Maitland, FL USA Interbanc Mortgage Services (IMS) 8

13 Favor de firmar la porcion de abajo y devolver junto con los otros documentos AUTORIZACION DE CREDITO Lo siguiente certifica que: 1. Al aplicar para un prestamo, Yo/Nosotros completamos la aplicacion de prestamo que contiene varios datos para el proposito del prestamo, la cantidad y la manera en que adquirimos la informacion para proposito del prestamo, la manera del pronto, los datos de empleo y otros recursos, y ingresos, passivos y activos. Yo/Nosotros certificamos que la informacion es veridica y completa. Yo/Nosotros no falsificamos informacion incorecta o en otros documentos, ni Yo/Nosotros omitimos informacion pertinente a la aplicacion. 2. Yo/Nosotros entendemos y estamos de acuerdo que InterBanc Mortgage Services reserva el derecho de cambiar el processo de repasar la aplicacion del prestamo de hipoteca, si aplicable, a un programa de documentacion completa. Esto puede incluir la verificacion de la informacion proveida en esta aplicacion con el empleo(s) y/o instituciones financieras. 3. Yo/Nosotros entendemos completamente que es un crimen federal castigable por multa o imprisonamiento, o ambas el hacer falsificaciones intencionalmente al aplicar para esta hipoteca, como aplicable bajo las proviciones del Titulo 18 de Los Estados Unidos Codigo, Secion AUTORIZACION DE CREDITO Y EL DERECHO DE SUMINISTRAR INFORMACION 1. Yo/Nosotros hemos aplicado para un prestamo de hipoteca de InterBanc Mortgage Services. Como parte del processo de aplicacion, InterBanc Mortgage Services puede verificar informacion contenido en mi/nuestro aplicacion de prestamo y en otros documentos requerido en coneccion con este prestamo, o antes que el prestamo cierre o como parte de su programa de control. 2. Yo/Nosotros autorizamos a proveer a InterBanc Mortgage Services, y a cualquier inversionista quien InterBanc Mortgage Services puede vender mi hipoteca, y cualquier documentacion que ellos requieren. Tal informacion incluye, pero no se limita a, historia de empleo incluyendo salario, puesto, razon de resignacion, tiempo de empleo, etc.; banco, chequera, cuentas de ahorro y informacion de cuentas, historia de credito, copias de impuestos; y historia de prestamo de hipoteca incluyendo interes, fecha de comienzo, balance al dia, historia de pagos, pagos mensuales, etc. 3. InterBanc Mortgage Services y cualquier inversionista que compre la hipoteca puede dirigirse a esta autorizacion a cualquier persona nombrada en este processo de aplicacion de prestamo. 4. Una copia de esta autorizacion puede aceptarse como un original. 5. Su respuesta inmediata a InterBanc Mortgage Services o los inversionistas al comprar esta hipoteca es apreciada. Firma Firma Numero Social Numero Social Interbanc Mortgage Services (IMS) 9