Universal Credit Application (Consumer Residential Real Estate) 1 2025

1. Click ‘Get Form’ to open the Universal Credit Application in our platform.
2. Begin by selecting the type of application. Choose one of the four options: Individual Credit, Individual Credit with Another, Individual Credit (Community Property State), or Joint Credit. Ensure you complete the relevant sections for your choice.
3. Fill in the Type of Mortgage and Terms of Credit section. Specify whether it’s a Home Purchase, Home Equity Loan, or other types. Enter details like Amount/Credit Limit and Interest Rate.
4. Provide Property Information including the Subject Property Address, Year Built, and Purpose of Loan. If applicable, detail any improvements planned for the property.
5. Complete Applicant Information by entering personal details such as name, Social Security Number, and contact information for both Applicant and Co-Applicant.
6. In Employment Information, list your current employer's details along with your position and income. Repeat this for the Co-Applicant if applicable.
7. Fill out Monthly Income and Combined Housing Expense Information accurately to reflect all sources of income and expenses.
8. Review all sections carefully before submitting to ensure accuracy and completeness.

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