Before starting your application, you should be prepared to answer questions on the following six areas:

* Personal data – Full names, addresses, and Social Security numbers of all borrowers.

* Income – The amount and source(s) of income for all borrowers.

* Assets – Information on all assets such as checking and savings accounts, stocks and bonds, retirement plans, and other real estate owned.

* Debts and obligations – Information on all outstanding debts and any other financial obligations.

* Credit references – Information concerning loans or debts that have been paid, plus any other references to good credit use.

* Property information – Specifics on the property you wish to buy, if you've chosen one.

After you complete your application, you will most likely be required to send supporting documents (such as account statements and paycheck stubs). In some cases, we may also send you a completed application and ask that you sign and return it.

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