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  Loan Application

The loan application is a detailed form designed to provide information from you that your lender will need. Lenders use the application to evaluate whether or not they can give you a loan, and if so, the amount of money they can lend you. The "four Cs" of credit come into play when filling out an application -- they are capacity, credit history, capital and collateral.

The loan application form requests information such as:

-- bank account balances and account numbers, as well as bank branch address;
-- information about where you work or what sources of income you have;
-- outstanding debts (including loans and credit cards with names and addresses of creditors).

Information needed for the loan application may vary from lender to lender, so prior to filling out the application it's important to discuss with your lender what items your lender will need.

If your an approved lender uses Desktop Underwriter, an automated underwriting system, they will not have to ask you for as much information regarding your employment, credit, or residence history. As a result, you won't need to provide as much documentation to back-up the information. Ask your lender if the lender uses this time-saving system.

 

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