Financing Update--Be sure to check out the sample mortgage application below so you know the types of questions usually asked by lenders.

 

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10 Pieces of Paper You Must Round Up to Buy (or Sell) a Home 

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FICOs and FHA: 2 big lenders loosen up 1-31-2011 Inman News

Down Payment Assistance Loan (DPAL)

One of the biggest obstacles to owning a home is the amount of funds a borrower must have for downpayment and closing costs. To help applicants overcome this obstacle, SONYMA offers homebuyers down payment assistance in conjunction with SONYMA financing.   Please read below for details about the Down Payment Assistance Loan (DPAL) offered by SONYMA.

Down Payment Assistance Loan (DPAL) allows SONYMA borrowers to secure down payment assistance through a second mortgage that can be used in combination with any currently available SONYMA program.  DPALs have no interest rate and no monthly payments and will be forgiven after ten (10) years as long as the borrower stays in his or her home.

Product Features: 

• 0% interest rate;
  
  
• Requires no monthly payments and is forgiven after 10 years;
  
  
• Minimum loan is $1,000;

• Maximum loan is the higher of:
  
  
  • $3,000; or
    
  • 3% of the home purchase price (up to a maximum of $10,000).

The Down Payment Assistance Loan cannot exceed the actual down payment and/or closing costs associated with the mortgage loan transaction;and

• The interest rate for first mortgages associated with a DPAL will be 0.50% higher than the interest rate for loans without DPAL. (The higher rate does not apply to the Homes for Veterans and Energy Star® Programs.) (click here to see current SONYMA rates).

Additional Considerations for DPAL:

• All or a portion of the Down Payment Assistance Loan may be required to be repaid or "recaptured" if the SONYMA mortgage loan is paid in full within ten (10) years of purchasing the home.  The repayment of the Down Payment Assistance Loan will be reduced for each month the applicant lives in the property and the SONYMA mortgage remains outstanding.  Further, the amount owed would be eliminated or reduced if the SONYMA financed property is sold and the proceeds are insufficient to cover the amount of the Down Payment Assistance Loan and the applicant's investment in the property (i.e.: the initial down payment (not covered by DPAL) when the home was purchased plus mortgage loan principal repayments, any closing costs and any capital improvements).

• Regardless of the SONYMA program for which you apply, borrowers must make a minimum cash contribution of one percent (1%) of the value of the property (three percent (3%) for cooperatives and five percent (5%) for 3- and 4-family properties);
  

• The above down payment assistance products may only be used in conjunction with a SONYMA mortgage and may be used for any property type eligible under the program that SONYMA finances, including cooperatives;

• The DPAL may not exceed the total amount needed for the down payment, closing costs and prepaid expenses (after applying borrower's minimum contribution).  Borrowers CANNOT receive cash back. If at the loan closing, it appears that the borrower would receive cash back, the lender must (a) lower the DPAL amount so there is no cash back, or (b) apply the overage amount to the principal balance of the first mortgage; and

• SONYMA will not allow the DPAL to be subordinated to another mortgage.
  

Note:
Some SONYMA participating lenders may not offer down payment assistance programs.  Please check with your lender before applying for financing.

 

Sample -Do NOT Fill Out

Mortgage Loan Application

 

Personal Information:

 

The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.

 

BORROWER Full Name Address What is your living status? Own Rent Live with relatives How long have you lived here? How much is your current housing expense? What type of mortgage do you currenly have? Previous Address (If less than 2 years at current address) E-Mail Address Age Sex Male Female Years of Schooling Number of Dependents Ages of Dependents Marital Status Married Single Seperated Social Security Number Home Phone Number Work Phone Number Are you a U.S. citizen? Yes No If not,do you have a green card? Yes No Are you obligated to pay alimony or child support? Yes No

CO-BORROWER Full Name Address What is your living status? Own Rent Live with relatives How long have you lived here? How much is your current housing expense? What type of mortgage do you currenly have? Previous Address (If less than 2 years at current address) E-Mail Address Age Sex Male Female Years of Schooling Number of Dependents Ages of Dependents Marital Status Married Single Seperated Social Security Number Home Phone Number Work Phone Number Are you a U.S. citizen? Yes No If not,do you have a green card? Yes No Are you obligated to pay alimony or child support? Yes No

BORROWER Race/National Origin American Indian Alaskan Native Black, not of Hispanic origin Hispanic Asian or Pacific Islander

CO-BORROWER Race/National Origin American Indian Alaskan Native Black, not of Hispanic origin Hispanic Asian or Pacific Islander

The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.

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Property Information

Address of Property being Purchased

Sale Price

Annual Taxes

Has the seller accepted the contract? Yes No

Is the Property... single family? duplex? triplex?

Will you use the property as... primary residence? vacation home? investment?

Is this property a... condominium? townhome? fee simple home?

Is there an association fee? Yes No

If yes, How much monthly?

Who is the Realtor that helped to complete the contract?
Company and Address

Agent

Phone number

Who is the Realtor that had listed the property for sale?

Company and Address

Agent

Phone Number

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Employment Information:

Borrower's Employer's Name & Address: Position How long employed here? Gross Monthly Salary Click the button if Self-Employed

Co-Borrower's Employer's Name & Address: Position How long employed here? Gross Monthly Salary Click the button if Self-Employed

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Please complete this section if you have been with your current employer for less than 2 years:

Borrower's Previous Employer Name & Address: Position Dates employed here to Gross Monthly Salary Click the button if Self-Employed

Co-Borrower's Previous Employer Name & Address: Position Dates employed here to Gross Monthly Salary Click the button if Self-Employed

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Please complete this section for a 2nd job or additional employers.

Borrower's Second Employer Name & Address: Position Dates employed here to Gross Monthly Salary Click the button if Self-Employed

Co-Borrower's Second Employer Name & Address: Position Dates employed here to Gross Monthly Salary Click the button if Self-Employed

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Asset Information:

For this section, please only give approximate figures in each account area. There is no need to give account numbers in which the monies reside.

 

 

 

 

 

 

 

 

 

Savings Institution Checking Institution Money Markets Institution

401K Plans Institution Mutual Funds Institution Stocks & Bonds Institution

 

Any other liquid assets you feel are applicable:

Are any of the above stated funds not to be used for purchase of new real estate:

Do you have any potential gift monies coming from a family member?
YES
NO

What is their relationship to you?

If YES, what would the amount be?

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Debt Information:

The following debt information is a critical aspect of this financial analysis. We will give you several general categories of possible revolving debt to fill in. These may not be all-inclusive, so please use the 'other' section to include your unique situation. Revolving debt is defined as any constant, monthly payments you make. (ie: car payments, home equity loan, school loans, credit cards...)

 

 

 

 

 

 

 

 

 

Please give both the current total balance of the debt as well as the current monthly payment.

Combined Credit Cards: Approximate Balance Monthly Payment Car Loan #1: Approximate Balance Monthly Payment Car Loan #2: Approximate Balance Monthly Payment School Loan #1: Approximate Balance Monthly Payment

School Loan #2: Approximate Balance Monthly Payment Personal Loans: Approximate Balance Monthly Payment 1st Mortgage: Approximate Balance Monthly Payment 2nd Mortgage: Approximate Balance Monthly Payment

 

Please continue with any other revolving debts you may have that do not fit in the categories listed above:

Have you ever been previously married?
YES
NO

If YES, is there any alimony/child support, and how much on a monthly basis?

How long will payments continue ?

 

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If you currently own will you be selling the property prior to buying the new property?
YES
NO

If you are selling/or will sell this property prior to your new purchase, what will the approx. net proceeds equal?

If you are not selling this property, what will your total monthly cost be to maintain it (ie: loan payments, taxes & Insurance)

If you own a second or third home please give the same info for them in the space provided below:

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Disclosure Information:

 

Will you occupy the new premises?
YES
NO

Have you in the last 7 years declared bankruptcy, suffered foreclosure, had an account assigned for collection or had any legal action affecting your ability to finance?
YES
NO

If, YES, explain below:

 

Are you a US citizen ?
YES
NO

If NO, are you a US Resident Alien?
YES
NO

Do you have Veteran's status ?
YES
NO

If YES, are you a reservist?
YES
NO

Is any part of the purchase price or settlement cost being obtained from a source other than shown?
YES
NO

If you answered "YES" and the money in question is other than monies mentioned in the gift section above, please describe below:

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Mortgage Options

 

Please complete the following section to indicate your preference for your financing. Your mortgage counselor will be calling you to answer any questions and confirm your selections. At that time you will be given instructions on how to lock in on current interest rates.

How long do you think that you will own the new home that you are financing?
0-5 years
5-10 years
10-15 years
15 or more years

What mortgage term do you prefer?
10 years
15 years
20 years
30 years

How many points are you considering?
None
One
Two
Three

 

What loan program are you considering?
Fixed
1 year arm
FHA
3/1 year arm
VA
5 or 7 year arm
Buydown
COFI adjustable
5 or 7 year balloon
Other

How much of a loan are you requesting?
Completing this information does not guarantee mortgage approval. This should not be considered an extension of credit.

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The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information. The following information is requested by the Federal Government in order to monitor the lender's compliance with Equal Credit Opportunity, Fair Housing and Home Mortgage Disclosure Laws. The law provides that a lender may not discriminate on the basis of this information.