Uniform Commercial Loan Application Completing the Form in multiple Sessions: Scroll to the bottom and use the "Save as Draft" Option to the right of the blue "Submit" button at any point you want to stop - this allows you to complete the form in multiple sessions. 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. Immediately following the submission of this Uniform Commercial Loan Application, CASCO Financial will review the information provided and (upon approval) send an invitation to complete the CASCO Financial | Uniform Commercial Acknowledgement Agreement.OPTION A = Applies when the income or assets of a person other than the "Borrower" is used as a basis for Loan Qualification (includes Borrower’s Spouse)Co-Borrower Information (Option A)Check Box if applicableOPTION B = Applies when the income or assets of the Borrower's spouse will not be used as a basis for loan qualification, but his or her liabilities must be considered because the 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.Co-Borrower Information (Option B)Check Box if applicableI. Type of Mortgage and Terms of Loan Type of Mortgage applied for *Please SelectConventionalFHAUSDA or Rural Housing ServiceVA*OtherAmount (USD) *USDThe system automatically adds the formatting to the numbers enteredInterest Rate (in %) *Number of Months *Type of Amortization *Please SelectFixed RateGPM*ARM*Other*ARM*OtherII. Property Information & Purpose of Loan Subject Property Address *City *State *ZIP *Number of Units *Year Built *Legal Description of Subject Property *Legal Description Attachment (if necessary)Choose FileNo file chosenDelete uploaded filePurpose of Loan *Please SelectConstructionConstruction PermanentPurchaseRefinance*Other*OtherPurpose of Property *Please SelectPrimary ResidenceSecondary ResidenceInvestmentState the Type of Property (Indended for Use)Please complete the following Information if this is a "Construction" or "Construction-Permanent" Loan Year AquiredOriginal CostUSDThe system automatically adds the formatting to the numbers enteredExisting Liens AmountUSDThe system automatically adds the formatting to the numbers entereda. Present Value of LotUSDThe system automatically adds the formatting to the numbers enteredb. Cost of ImprovementsUSDThe system automatically adds the formatting to the numbers enteredTotal a & bUSDThe system automatically adds the formatting to the numbers enteredPlease complete the following Information if this is a Refinance Loan Year AquiredOriginal CostUSDThe system automatically adds the formatting to the numbers enteredExisting Lien AmountUSDThe system automatically adds the formatting to the numbers enteredPurpose of RefinanceImprovementsImprovements were madeImprovements will be madeImprovements CostUSDTitle Ownership *Manner of Title *Type of Estate Holding *Please SelectFee SimpleLeaseholdLease Expiration Date (for Leaseholders only)Source of Down Payment, Settlement Charges and/or Subordinate Financing (Explain) *III. Borrower InformationBorrower First and Last Name *First and Last Name of Co-BorrowerBorrower Email Address *Email Address of Co-BorrowerBorrower Phone Number *Co-Borrower Phone NumberBorrower's Date of Birth *Co-Borrower's Date of BirthBorrower Years in School *Co-Borrower Years in SchoolBorrower's Marital Status *Please SelectMarriedSeparatedUnmarried (Including Single, Divorced, Widowed)Co-Borrower's Marital StatusPlease SelectMarriedSeparatedUnmarried (Including Single, Divorced, Widowed)Borrower Number of Dependents *(NOT listed by the Co-Borrower)Co-Borrower Number of Dependents(NOT listed by the Borrower)Borrower Ages of Dependents *Co-Borrower Ages of DependentsBorrower's Property Information *Please SelectRentOwnCo-Borrower's Property InformationPlease SelectRentOwnBorrower's Present Street Address *City *State/Province *ZIP *Co-Borrower's Present Street AddressCityState/ProvinceZIPBorrower's Number of Years at Address *Co-Borrower's Number of Years at AddressIf residing at present Address less than 2 Years, please complete the following Information: Borrower's former Property Information Street AddressCityState/ProvinceZIPCo-Borrower's former Property Information Street AddressCityState/ProvinceZIPBorrower's no. of Years at former AddressCo-Borrower's no. of Years at former AddressIV. Employment InformationBorrower's Employer NameCityStateZIPCo-Borrower's Employer NameCityStateZIPBorrower - Self EmployedCheck if Self-EmployedCo-Borrower - Self EmployedCheck if Self-EmployedBorrower - Number of Years on this Job *Co-Borrower - Number of Years on this JobBorrower - Years employed in this Profession *Co-Borrower - Years employed in this ProfessionType of Business *Type of BusinessBorrower's Business Phone Number *Co-Borrower's Business Phone NumberIf Employed In Current Position for less than Two Years or if Currently Employed in more than One Position, please complete the Following Information:Borrower's Former Employer NameStreet AddressCityStateZIPCo-Borrower's Former Employer NameStreet AddressCityStateZIPBorrower Self-EmploymentCheck if Self-EmployedCo-Borrower Self-EmploymentCheck if Self-EmployedBorrower From-and-To DatesCo-Borrower From-and-To DatesBorrower's Monthly Income in USDUSDThe system automatically adds the formatting to the numbers enteredCo-Borrower's Monthly Income in USDUSDThe system automatically adds the formatting to the numbers enteredBorrower's Type of BusinessCo-Borrower's Type of BusinessBorrower's Business PhoneCo-Borrower's Business PhoneAdditional Employment InformationFull Name of Borrower's Former or Secondary EmployerStreet AddressCityStateZIPFull Name of Co-Borrower's Former or Secondary EmployerStreet AddressCityStateZIPBorrower Self-Employed StatusCheck if Self-EmployedCo-Borrower Self-Employed StatusCheck if Self-EmployedBorrower's To-and-From DatesCo-Borrower's To-and-From DatesBorrower's Monthly Income in USDUSDThe system automatically adds the formatting to the numbers enteredCo-Borrower's Monthly Income in USDUSDThe system automatically adds the formatting to the numbers enteredBorrower's Type of BusinessCo-Borrower's Type of BusinessBorrower's Business PhoneCo-Borrower's Business PhoneV. Monthly Income and Combined Housing Expense Information Combined Monthly Housing Expense in USDPresent Rent *USDThe system automatically adds the formatting to the numbers enteredPresent Homeowners Association DuesUSDThe system automatically adds the formatting to the numbers enteredProposed Homeowners Association DuesUSDThe system automatically adds the formatting to the numbers enteredPresent First Mortgage (P&I)USDThe system automatically adds the formatting to the numbers enteredProposed First Mortgage (P&I)USDThe system automatically adds the formatting to the numbers enteredOther Present Financing (P&I)USDThe system automatically adds the formatting to the numbers enteredOther Proposed Financing (P&I)USDThe system automatically adds the formatting to the numbers enteredPresent Hazard InsuranceUSDThe system automatically adds the formatting to the numbers enteredProposed Hazard InsuranceUSDThe system automatically adds the formatting to the numbers enteredPresent Mortgage InsuranceUSDThe system automatically adds the formatting to the numbers enteredProposed Mortgage InsuranceUSDThe system automatically adds the formatting to the numbers enteredPresent Real Estate TaxesUSDThe system automatically adds the formatting to the numbers enteredProposed Real Estate TaxesUSDThe system automatically adds the formatting to the numbers enteredTotal Present Expenses *USDThe system automatically adds the formatting to the numbers enteredTotal Proposed ExpensesUSDThe system automatically adds the formatting to the numbers enteredGross Monthly Income in USDa. Borrower's Employment Income *USDThe system automatically adds the formatting to the numbers enteredb. Co-Borrower's Employment IncomeUSDThe system automatically adds the formatting to the numbers enteredEmployment Income Total (a + b) *USDThe system automatically adds the formatting to the numbers entereda. Borrower OvertimeUSDThe system automatically adds the formatting to the numbers enteredb. Co-Borrower OvertimeUSDThe system automatically adds the formatting to the numbers enteredTotal Overtime a + bUSDThe system automatically adds the formatting to the numbers entereda. Borrower BonusesUSDThe system automatically adds the formatting to the numbers enteredb. Co-Borrower BonusesUSDThe system automatically adds the formatting to the numbers enteredTotal Bonues a + bUSDThe system automatically adds the formatting to the numbers entereda. Borrower CommissionsUSDThe system automatically adds the formatting to the numbers enteredb. Co-Borrower CommissionsUSDThe system automatically adds the formatting to the numbers enteredTotal Comissions a + bUSDThe system automatically adds the formatting to the numbers entereda. Borrower Dividends or InterestUSDThe system automatically adds the formatting to the numbers enteredb. Co-Borrower Dividends or InterestUSDThe system automatically adds the formatting to the numbers enteredTotal Dividends or Interest a+bUSDThe system automatically adds the formatting to the numbers entereda. Borrower's Net Rental IncomeUSDThe system automatically adds the formatting to the numbers enteredb. Co-Borrower's Net Rental IncomeUSDThe system automatically adds the formatting to the numbers enteredTotal Net Rental Income a + bUSDThe system automatically adds the formatting to the numbers enteredFor Other Income - prior to Completion, please reference the "Describe Other Income" Sectiona. Borrower's Other IncomeUSDThe system automatically adds the formatting to the numbers enteredb. Co-Borrower's Other IncomeUSDThe system automatically adds the formatting to the numbers enteredTotal Other Income a + bUSDThe system automatically adds the formatting to the numbers entereda. Total Borrower Income *USDThe system automatically adds the formatting to the numbers enteredb. Total Co-Borrower IncomeUSDThe system automatically adds the formatting to the numbers enteredTotal Borrower & Co-Borrower Income a + b *USDThe system automatically adds the formatting to the numbers entered* Self Employed Borrower(s) may be required to provide additional documentation such as financial statements and tax returns Describe Other Income Alimony, child support, or separate maintenance income need not be revealed if the Borrower or Co-Borrower does not choose to have it considered for repaying this loan. A separate form will be provided by CASCO Financial to provide this informationVI. Assets & Liabilities This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a spouse, this Statement and supporting schedules must be completed about that spouse also.Please Select one OptionCompleted JointlyNot Completed JointlyAssets InformationAssets Description *Cash Deposit *Cash or Market Value *USDThe system automatically adds the formatting to the numbers enteredPlease list Checking and Savings Account(s) Information belowFirst Institution Name & AddressFirst Account Number *First Amount *USDThe system automatically adds the formatting to the numbers enteredSecond Institution Name & AddressSecond Account NumberSecond AmountUSDThe system automatically adds the formatting to the numbers enteredAdditional Asset Information Financial InstitutionsAdditional Account NumberAdditional AmountUSDThe system automatically adds the formatting to the numbers enteredStocks And Bonds InformationAmount of Equity HoldingsUSDThe system automatically adds the formatting to the numbers enteredLife Insurance Face AmountUSDThe system automatically adds the formatting to the numbers enteredLife Insurance Net Cash ValueUSDThe system automatically adds the formatting to the numbers enteredSubtotal of Liquid AssetsUSDThe system automatically adds the formatting to the numbers enteredVested Interest in Retirement FundUSDThe system automatically adds the formatting to the numbers enteredReal Estate OwnedUSDPlease Enter Market Value From Schedule Of Real Estate OwnedNetworth of Business(es) OwnedUSDPlease attach Financial StatementUpload fileChoose FileNo file chosenDelete uploaded fileAutomobiles OwnedAdditional Assetsa. Total Assets Amount *USDThe system automatically adds the formatting to the numbers enteredLiability Information Please list the creditor's name, address and account number(s) for all outstanding debts, including automobile loans, real estate loans, revolving charge accounts, alimony, child support, stock pledges, etc. Use continuation sheet (if necessary). Please indicate with an asterisk (*) those liabilities which will be satisfied upon sale of real estate owned upon refinancing of the subject property.Company Name *Company Street Address *City *State *ZIP *Account Number *Monthly Payment & Months Left to Pay *Unpaid Balance *USDThe system automatically adds the formatting to the numbers enteredAdditional Liability InformationAdditional Company NameCompany Street AddressCityStateZIPSecondary Account NumberMonthly Payment & Months Left to PayUnpaid BalanceUSDThe system automatically adds the formatting to the numbers enteredAdditional Company NameCompany Street AddressCityStateZIPAdditional Account NumberMonthly Payments & Months left to PayUnpaid BalanceUSDThe system automatically adds the formatting to the numbers enteredAlimony, Child Support or separate Maintenance Payments owedAmountUSDThe system automatically adds the formatting to the numbers enteredJob related Expense(s)USDChild Care, Union Dues, etc.Total Monthly Payments *USDThe system automatically adds the formatting to the numbers enteredb. Total Liability Amount *USDThe system automatically adds the formatting to the numbers enteredNet Worth a - b *USDThe system automatically adds the formatting to the numbers enteredSchedule of Real Estate Owned If Additional Properties are owned, please use the Continuation SheetProperty Street AddressCityStateZIPProperty Address InformationPlease SelectSold (S)Pending Sale (PS)Rental being held for Income (R)Type of PropertyPresent Market ValueUSDThe system automatically adds the formatting to the numbers enteredAmount of Mortgages and LiensUSDThe system automatically adds the formatting to the numbers enteredGross Rental IncomeUSDThe system automatically adds the formatting to the numbers enteredMortgage PaymentsUSDThe system automatically adds the formatting to the numbers enteredInsurance, Maintenance, Taxes and MiscellaneousUSDThe system automatically adds the formatting to the numbers enteredNet Rental IncomeUSDThe system automatically adds the formatting to the numbers enteredList Any Additional Names Under Which Credit Has Previously Been Received And Indicate Appropriate Creditor Name(s) And Account Number(s)Alternate NameCreditor NameAccount NumberVII. Details of Transaction Please provide all amounts in USDa. Purchase PriceUSDThe system automatically adds the formatting to the numbers enteredb. Alterations, Improvements, RepairsUSDThe system automatically adds the formatting to the numbers enteredc. Land (if acquired separately)USDThe system automatically adds the formatting to the numbers enteredd. Refinance (include paid off Debts)USDThe system automatically adds the formatting to the numbers enterede. Estimated Prepaid ItemsUSDThe system automatically adds the formatting to the numbers enteredf. Estimated Closing CostsUSDThe system automatically adds the formatting to the numbers enteredg. PMI, MIP and/or Funding FeeUSDThe system automatically adds the formatting to the numbers enteredh. Discount (if Borrower will pay)USDThe system automatically adds the formatting to the numbers enteredi. Total Cost (add Items a to h)USDThe system automatically adds the formatting to the numbers enteredj. Subordinate FinancingUSDThe system automatically adds the formatting to the numbers enteredk. Borrower's Closing Cost paid by SellerUSDThe system automatically adds the formatting to the numbers enteredl. Other CreditsUSDThe system automatically adds the formatting to the numbers enteredm. Loan Amount(s)USDExclude PMI, MIP and/or Funding Fee Financedn. PMI, MIP and/or Funding Fee FinancedUSDThe system automatically adds the formatting to the numbers enteredo. Loan Amount (m + n) *USDThe system automatically adds the formatting to the numbers enteredp. Cash from/to Borrower (Subtract j,k,l,o from i) *USDThe system automatically adds the formatting to the numbers enteredVIII. Declarations If you answer 'Yes' to any questions A - I, please use Continuation Sheet for explanation Question A: Are there any outstanding Judgements against you?Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion B: Have you been declared Bankrupt within the past 7 years?Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion C: Have you had Property foreclosed upon or given Title or Deed in lieu thereof in the last 7 years?Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion D: Are you a party to a lawsuit?Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion E: Have you directly or indirectly been obligated on any Loan which resulted in Foreclosure, Transfer of Title in lieu of Foreclosure, or Judgment? This would include such loans as home mortgage loans, home improvement loans, educational loans, manufactured (mobile) home loans, SBA Loans, any mortgage, financial obligation, bond, or loan guarantee. If "Yes," provide details, including date, name and address of Lender, FHA or VA Case Number (if any), and reasons for the action.Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion F: Are you presently Delinquent or in Default on any Federal Debt or any other Loan Mortgage, Financial Obligation, Bond, or Loan Guarantee? If "Yes", please give details as described in the preceding question.Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion F Details if answered "Yes"Question G: Are you obligated to pay Alimony, Child Support, or Separate MaintenanceBorrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion H: Is any part of the Down Payment borrowed?Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion I: Are you a Co-Maker or Endorser on a Note?Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion J: Are you a United States Citizen?Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion K: Are you a Permanent Resident Alien?Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion L: Do you intend to occupy the Property as your Primary Residence? If "Yes", please complete Question M.Borrower *Please SelectNoYesCo-BorrowerPlease SelectNoYesQuestion M: Have you had an Ownership Interest in a Property in the last 3 Years?BorrowerPlease SelectNoYesCo-BorrowerPlease SelectNoYesWhat type of Property did you Own?Please SelectInvestment Property (IP)Principal Residence (PR)Second Home (SH)How did you hold Title to the Home?Please SelectSolely by Yourself (S)Jointly with your Spouse (SP)Jointly with another Person (O)Continuation Sheet for Loan Application Use this Continuation Sheet for any additional information, including explanations regarding questions answered with "Yes".Continuation Sheet BorrowerContinuation Sheet Co-BorrowerAuthorizationNon-Business Purpose DisclaimerDISCLAIMER No part of the Loan proceeds are intended to be or shall be used for a non-business (e.g. consumer or residential) purpose. By selecting this checkbox and clicking Submit, you agree to the terms and conditions of CASCO financial, including the conditions of this particular disclaimer.Signature Pointing Device Signature Capture allows you to add your signature using a mouse or a touch-screen. Date *Signature CaptureSign here with mouse or touch-screenYour browser does not support e-Signature field.If NO POINTING DEVICE is available, sign by typing your First and Last Name belowBorrower Signature *We appreciate any feedback regarding the completion of this form – it will help us optimize it!Describe your User Experience © 2022 Copyright CASCO financialSubmitSave as Draft
