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Solicitud Uniforme para Préstamo Hipotecario Residencial · Formulario 65 de Freddie Mac • Formulario 1003 de Fannie Mae · En vigencia 1/2021

¿La solicitud de préstamo en español reemplaza la solicitud de préstamo en inglés?

No. La Solicitud Uniforme para Préstamo Hipotecario Residencial (URLA) en inglés es la solicitud legal. Le suministramos la traducción de URLA al español para ayudarle a comprender la información. El documento URLA en inglés es el documento que usted, como solicitante, firmará y será el único que se utilice para evaluar la solicitud del préstamo. En caso de que existan diferencias entre la traducción al español y el documento URLA en inglés, la versión final en inglés firmada será considerada la correcta. Por lo tanto, deberá firmar el documento URLA en inglés.

Aunque hemos tratado de traducir fielmente el documento URLA del inglés al español, ni Freddie Mac ni Fannie Mae se responsabilizan por inexactitudes en esta traducción ni por malentendidos que surjan por las diferencias en el uso o los dialectos del idioma.

In English

Does a Spanish loan application take the place of an English loan application? No. The English Uniform Residential Loan Application (URLA) is the legal application. We provide the Spanish translation of the URLA to help you understand the information. The English URLA is the document that you, as an applicant, will sign and only it will be used to underwrite the loan. If any inconsistencies exist between the Spanish translation and the English URLA, the final signed English URLA will be considered correct. As a result, you must sign the English URLA.

Although we have tried to translate the English URLA into Spanish accurately, neither Fannie Mae nor Freddie Mac are liable for any inaccuracies in the translation or any misunderstandings because of differences in usage or dialect.

Las etiquetas y preguntas de las secciones 1 a 5, 7 y 8 siguen la traducción oficial de Fannie Mae / Freddie Mac (Formulario 65 / 1003 en español). Los textos legales (divulgaciones, certificación) se muestran en inglés con su traducción como ayuda: usted firma la versión en inglés.

How would you like to fill this out?

In the past 2 years, have you been at the same job?
Got it — we’ll collect your prior employer inside the application. ✓
In the past 2 years, have you lived at the same address?
Got it — we’ll collect your prior address inside the application. ✓
Vet? Have you (or your spouse) served in the U.S. armed forces?
Thank you for your service — we’ll include VA loan options in your eligibility review. ✓

Either way, you review and confirm everything before it’s submitted. Applying with someone? One loan can include up to 4 borrowers — you can add co-borrowers as you go.

Recommended · fastest
Upload my documents — fill it in for me

Upload your license, pay stubs, W-2s and a bank statement. We read them and complete the application for you — you just review, correct anything, and answer a short set of questions only you can answer.

About 5 minutes with your documents handy.

I’ll type it in myself

The classic step-by-step form. You can switch to document upload at any time.

Typically 20–30 minutes for a complete application.

Your full application — type it in at your pace

The same sections your loan team uses. Gold fields are required; everything else helps but doesn’t block. Your progress saves automatically.

Personal information

URLA §1a
Citizenship
Marital status
Present address
Do you own, rent, or live rent-free?
Prior address (under 2 years at current)

Employment & income

URLA §1b–1e
Prior employment (under 2 years at current)

Assets & debts

URLA §2
Bank accounts & assets

More than three? Your loan team will add them with you.

Debts (cards, loans)

Real estate you own

URLA §3
Do you currently own any real estate?

Loan & property

URLA §4
What’s this loan for?
Do you have a specific property in mind?
How will you use it?

Declarations

URLA §5

Federal law requires these of every applicant. Answer honestly — a Yes is not automatically a problem.

Will you occupy the property as your primary residence? *
Have you had an ownership interest in another property in the last three years? *
If this is a Purchase Transaction: do you have a family relationship or business affiliation with the seller of the property? *
Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? *
Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? *
Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? *
Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? *
Are you a co-signer or guarantor on any undisclosed debt? *
Are there any outstanding judgments against you? *
Are you currently delinquent or in default on a federal debt? *
Are you a party to a lawsuit in which you could have monetary liability? *
Have you conveyed title in lieu of foreclosure in the past 7 years? *
Have you completed a pre-foreclosure / short sale in the past 7 years? *
Have you had property foreclosed in the past 7 years? *
Have you declared bankruptcy in the past 7 years? *
M — Identify the type(s) of bankruptcy:

Military service

URLA §7
Did you (or your spouse) serve in the U.S. armed forces?

Demographic information

URLA §8

Voluntary — never affects your application. The method records automatically as Email or Internet.

Ethnicity
Race / National Origin (select one or more)
Sex

Step 1 — Upload your documents

How do you earn your income?
What's this loan for?

Phone photos are fine. Everything is encrypted and visible only to your loan team. Two ways — your choice: drop everything in one spot and we’ll sort it, or upload each item individually below.

📁
Drop ALL your documents here— or tap to choose files —We’ll automatically sort them into the checklist below. Any file we don’t recognize still reaches your loan team.
or upload individually
Driver’s license (front)Needed
2 most recent pay stubsNeeded
Last 2 years W-2sNeeded
Last 2 months bank statementsNeeded
Other documents (we’ll review)Received ✓
Upload at least your license and one income document to start.

Step 2 — Review what we filled in

Every value below came from your documents. Green = high confidence; gold = double-check it. Fix anything, then confirm each group.

Not found — please type it in
Not found — please type it in
Not found — please type it in
Not found — please type it in
Not found — please type it in
Not found — please type it in
Not found — please type it in
Not found — please type it in
Confirming marks each value as verified by you.
Confirmed by you ✓ — your loan team sees exactly this.

We noticed a second name on your documents

Your bank statement lists Daniel Kapoor and Priya Kapoor. Just checking with you:

Is Priya Kapoor applying for this loan with you as a co-borrower?
Co-borrower added: Priya Kapoor (borrower 2 of up to 4). She’ll get her own secure link for her documents and her own answers.

The property

Not everyone has found a home yet — that’s fine. You can get fully pre-approved and add the address later.

Do you have a specific property in mind?
From your purchase contract · confirm
From your purchase contract · confirm
From your purchase contract · confirm
Marked TBD — your pre-approval moves forward without an address. ✓

A few more details — optional, but helpful

Quick taps. None of these block your application — skip anything you’re unsure of and your loan team will follow up.

Marital status
Citizenship
Do you currently own or rent your home?
Noted — your current rental will NOT appear as Real Estate Owned on your application. ✓
Intended occupancy of the new property
Prefilled 2+ from your earlier answer — adjust to the exact years if you know them. ✓
You told us 2+ years at this job — just confirm the month/year you started. ✓

Your present address comes from your driver’s license automatically — you already confirmed it above.

Step 3 — Questions only you can answer

Why we ask these directly: some answers can’t and shouldn’t come from documents. These are yours alone — nothing here is ever pre-filled or guessed for you.
Have you been at your current job for 2 years or more?
Have you lived at your current address for 2 years or more?
Will you occupy the property as your primary residence?
Have you declared bankruptcy in the past 7 years?
Have you had a property foreclosed upon in the past 7 years?
Are you currently delinquent or in default on any federal debt?
Are you a party to any lawsuit in which you could have monetary liability?
Did you (or your spouse) serve in the U.S. armed forces? (Section 7)
Demographic information — Section 8 · voluntary · never affects your application
The Demographic Information was provided through:
(set automatically — you are applying online; other methods: Face-to-Face, Telephone Interview, Fax or Mail)
To be completed by Loan Officer (applications taken in person): visual-observation questions for ethnicity, sex, and race
Auto-answered No — this application was not taken in person.
Ethnicity
Race / National Origin (select one or more)
Sex

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 encouraged to do so. You may select one or more designations for “Race.” The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. If you do not wish to furnish ethnicity, race, or sex, and have made this application in person, under federal regulations the lender is required to note the information on the basis of visual observation or surname. If you do not wish to furnish the information, please check the box above.

Disclosures & authorizations

Read each item, then just two checkboxes — E-SIGN and one agreement covering the rest — and sign once at the bottom. Each document’s agreement is recorded separately with your IP address and the date & time.

1 · Electronic records & signatures (E-SIGN)
I agree to receive application records, disclosures, and notices electronically, and to sign electronically. I can request paper copies or withdraw this consent by contacting my loan originator; standard hardware, an internet connection, and a PDF viewer are required.
2 · Credit report authorization (FCRA)
I authorize New Century Financial Mortgage, LLC (NMLS #1967971) to obtain my consumer credit report(s) in connection with my request for mortgage credit — including a “soft” inquiry for prequalification purposes (which does not affect my credit score) and/or a “hard” inquiry for my application (which may appear on my credit report and may affect my credit score) — and to verify the information in this application, including employment, income, assets, and residence history. I further authorize New Century Financial Mortgage, LLC to submit my application, credit report(s), and supporting documents to one or more lenders of its choosing in order to arrange my loan, and I understand each such lender and its agents may also obtain my credit report and verify my information for the same purpose. Each borrower on this loan provides their own authorization.
3 · Privacy notice (how your information is used)
My information is collected to process this application and is shared only as permitted by law — with lenders, service providers, and as required for the transaction — consistent with the company privacy notice. It is not sold.
4 · Mortgage broker disclosure
New Century Financial Mortgage, LLC (NMLS #1967971) is a licensed mortgage broker, not a lender. We arrange loans through third-party wholesale lenders; we do not make credit decisions, approve loans, or fund loans. As permitted by law, the broker may receive compensation in connection with your loan from the lender and/or from you, as will be disclosed in your Loan Estimate. Submitting this application does not obligate you to complete a loan with us. License information is available at NMLSConsumerAccess.org. Equal Housing Opportunity.
5 · Application terms & platform use
I certify that the information I provide in this application and any documents I upload are true, complete, and my own. Knowingly making false statements on a mortgage application is a federal offense (18 U.S.C. §§ 1001, 1014). This application is not a loan approval or commitment; all programs are subject to lender approval, eligibility, and change. Federal law notice: to help fight the funding of terrorism and money laundering, U.S. law requires us to obtain, verify, and record information identifying each applicant, including name, address, and date of birth; we may also ask to see your driver’s license or other identifying documents. I agree to use this platform securely, not to share my application link, and I understand access may be suspended for misuse. We do business in accordance with federal fair lending laws.
7 · Technology & AI assistance
To make this process faster and smoother, New Century Financial Mortgage, LLC uses secure third-party technology service providers, including artificial-intelligence services (such as Anthropic’s Claude), to help with tasks like reading the documents I upload to pre-fill my application for my review, organizing my file, and preparing communications. AI assists — it does not decide: no credit decision is made by artificial intelligence; lending decisions are made by lenders through their own underwriting. Everything AI helps prepare is reviewed and confirmed by me and/or my loan team, and certain answers (such as my declarations and demographic information) are never filled in by automation — only by me. Information shared with these providers is limited to what is needed for my application and is handled under confidentiality and safeguard obligations consistent with applicable law. I authorize New Century Financial Mortgage, LLC to use such technology providers in connection with my application.
6 · Contact consent
I agree that New Century Financial Mortgage, LLC may contact me about this application at the phone number and email I provided, including by autodialed or prerecorded calls and text messages. Consent is not a condition of receiving any loan; message and data rates may apply, and I may opt out at any time.
For your protection, your IP address and the date & time are recorded with this authorization.

Borrower’s Certification & Authorization

Lenders require this signed form in every loan file. One checkbox, one tap — we’ll apply the legal name you already typed.

Certification. I certify that the information provided in this application is true and complete to the best of my knowledge; I understand it is a federal crime to knowingly make false statements (18 U.S.C. §§ 1001, 1014).

Authorization. I authorize New Century Financial Mortgage, LLC (NMLS #1967971) and any lender to which my application is submitted, and their respective agents, successors, and assigns, to verify and re-verify any information in my application and supporting documents, including: past and present employment and income; bank, brokerage, and other asset accounts; consumer credit; residence and rental history; mortgage and other loan payoff and payment history; and hazard, flood, and title insurance information — at application, during processing, before closing, and as part of post-closing quality control or audit. Requests for IRS tax-return transcripts, if needed, are made on the IRS’s own Form 4506-C, which I will sign separately.

Copies. A copy (including electronic or facsimile) of this authorization may be accepted with the same force and effect as the original.
Signs as the legal name you typed above; recorded with IP, date & time.

Submit your application

Everything above stays editable until you press submit. Your information is transmitted securely to our licensed team.

Sent directly to New Century Financial Mortgage, LLC · NMLS #1967971.
✓

Thank you — your application has been submitted.

A licensed Mortgage Loan Originator will review your information and reach out to you shortly.

You can close this page. If any documents are still needed, your originator will send you a secure upload link.

Accessibility. This application is built to WCAG 2.1 AA and works with screen readers and keyboard-only navigation. If any part of it is difficult for you to use, or you would prefer not to apply online, contact your loan originator (their phone number is at the top of this page) and we will gladly take your application by phone or in an alternative format — at no disadvantage to you.

You review and attest to every answer before submission; documents you upload are read to assist you, and your confirmations control the application. Your IP address and the date and time of your actions in this application are recorded for security and to document your authorizations. This is an application for credit, not a commitment to lend. By continuing you agree we may contact you about your inquiry at the phone and email provided, including by automated means; consent is not a condition of any loan. New Century Financial Mortgage, LLC · NMLS #1967971 · Equal Housing Opportunity.