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UCA-RE-WOGM. UNIVERSAL CREDIT APPLICATION-REAL ESTATE

UCA-RE-WOGM. UNIVERSAL CREDIT APPLICATION-REAL ESTATE 2025

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The document is a Universal Credit Application for real estate, detailing various types of credit applications (individual, joint, etc.), mortgage types, property information, applicant and co-applicant details, employment information, income and housing expenses, assets and liabilities, declarations regarding financial history, and federal/state notices. It serves as a comprehensive form for individuals seeking loans for purchasing or refinancing real estate.

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Click ‘Get Form’ to open the UCA-RE-WOGM in the editor.
Begin by selecting the type of application. Choose from options like 'Individual Credit' or 'Joint Credit' by checking the appropriate box.
Fill in the mortgage type and terms of credit, including the amount, interest rate, and amortization type. Ensure all fields are completed accurately.
Provide property information, including the address, number of units, and purpose of credit. If applicable, attach a legal description of the property.
Complete applicant information for both you and your co-applicant. Include names, social security numbers, contact details, and marital status.
Detail employment information for both applicants. Include employer names, addresses, positions held, and gross monthly income.
List monthly income sources and combined housing expenses to provide a clear financial picture.
Review all declarations carefully before signing to ensure accuracy and compliance with federal regulations.

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Does Universal Credit affect a mortgage application?

While Universal Credit does not directly impact your credit score, it is considered a form of income. Therefore, it can influence mortgage applications, as lenders evaluate income stability and affordability.

Does Universal Credit count as income?

Your income will be your wages plus your new Universal Credit payment. Use a benefits calculator to see how your Universal Credit changes if your wages go up. Most employers will report your wages for you. You will normally only need to report monthly earnings if youre self-employed.

Does Universal Credit affect your mortgage?

Claiming Universal Credit will not appear on your credit report, but it could still affect your ability to get a mortgage. When a bank or building society is assessing your mortgage application, they will look at your income to see if you can afford to repay the mortgage.