Dear Member(s):

Mortgage Lending FAX: 210.637.4156
EMAIL: [email protected]
Dear Member (s),
Thank you for considering RBFCU for your land financing needs. To complete your loan transaction, please send the following
documents for our review:
For purchases:
a.
b.
c.
d.
e.
Completed loan application
Receipted earnest money contract for purchases.
Tax returns for two full years for both personal and business as well as most recent profit and loss statement for self-employed.
Tax returns for two full years to include IRS Form 1040 Schedule E and current lease/rental agreements for all rentals.
Income verification (2 years of W2’s, two recent paystubs, social security award letter, retirement annuity).
For Refinances:
a.
b.
c.
d.
e.
f.
g.
h.
Completed loan application
Copy of the warranty deed
Copy of the most recent deed of trust
Most recent county tax assessment showing the appraised value of the land.
Copy of your most recent mortgage/land statement.
Tax returns for two full years for both personal and business as well as most recent profit and loss statement for self-employed.
Tax returns for two full years to include IRS Form 1040 Schedule E and current lease/rental agreements for all rentals.
Income verification (2 years of W2’s, two recent paystubs, social security award letter, retirement annuity).
Note: A survey of the land may be required if it is not in a platted subdivision.
You can send requested documents by Fax or Email:
FAX: 210-637-4156
EMAIL: [email protected]
RE062 Land Instructions R 09-05-2014
Reset Form
___________________________________________________________________________________________________________________________________________________________________
This application is designed to be completed by the applicant(s) with the Lender’s assistance. Applicants should complete this form as “Borrower” or “Co-Borrower,” as applicable. Co-Borrower
information must also be provided (and the appropriate box checked) when the income or assets of a person other than the Borrower (including the Borrower’s spouse) will be used as a basis for loan
qualification or the income or assets of the Borrower’s spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her
liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is
located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.
If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):
_________________________________________
_________________________________________
Borrower
Co-Borrower
VA
FHA
Amount
$
Conventional
Home Equity
USDA/Rural Housing Service
Interest Rate
Land
HELOC
Other (explain):
Home Improvement
Rental
Condo
Agency Case Number
No. of Months
Fixed Rate
GPM
%
Lender Case Number
Other (explain):
ARM (type):
Subject Property Address (street, city, state & ZIP)
No. of Units
Legal Description of Subject Property (attach description if necessary)
Year Built
Purpose of Loan
Purchase
Refinance
Construction
Other (explain):
Construction-Permanent
Property will be:
Primary Residence
Secondary Residence
Investment
Complete this line if construction or construction-permanent loan.
Year Lot
Acquired
Original Cost
Amount Existing Liens
(a) Present Value of Lot
(b) Cost of Improvements
Total (a + b)
$
$
$
$
$
Complete this line if this is a refinance loan.
Year
Acquired
Original Cost
Amount Existing Liens
$
$
Purpose of Refinance
Describe Improvements
made
to be made
Cost: $
Title will be held in what Name(s)
Manner in which Title will be held
Estate will be held in:
Fee Simple
Leasehold (show
expiration date)
Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain)
Borrower’s Name (include Jr. or Sr. if applicable)
Social Security Number
Married
Separated
Co-Borrower’s Name (include Jr. or Sr. if applicable)
Home Phone
(incl. area code)
Unmarried (include
single, divorced, widowed)
Present Address (street, city, state, ZIP)
DOB (mm/dd/yyyy)
Yrs. School
Dependents (not listed by Co-Borrower)
no.
ages
Own
Rent ____No. Yrs.
Mailing Address, if different from Present Address
Social Security Number
Married
Separated
Home Phone
(incl. area code)
Unmarried (include
single, divorced, widowed)
Present Address (street, city, state, ZIP)
DOB (mm/dd/yyyy)
Yrs. School
Dependents (not listed by Borrower)
no.
ages
Own
Rent ____No. Yrs.
Own
Rent ____No. Yrs.
Mailing Address, if different from Present Address
If residing at present address for less than two years, complete the following:
Former Address (street, city, state, ZIP)
Name & Address of Employer
Own
Self Employed
Rent ____No. Yrs.
Yrs. on this job
Former Address (street, city, state, ZIP)
Name & Address of Employer
Yrs. employed in this
line of work/profession
Position/Title/Type of Business
Business Phone (incl. area code)
Self Employed
Yrs. on this job
Yrs. employed in this
line of work/profession
Position/Title/Type of Business
If employed in current position for less than two years or if currently employed in more than one position, complete the following:
Business Phone (incl. area code)
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