Pre-Qualify Application

  • Personal
  • Loan Info
  • Income
  • Govt. Info
  • Finalize

Home Loan Pre-Qualification

Ready to find out how much you can afford? This process should only take about 3-5 minutes.

Personal Info

Current Address

Years at this address

Do you rent or own?

About this Property and Your Money for this Loan

Will you occupy the property as your primary residence?
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)?

About Your Finances

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
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 potentially have any personal financial liability?
Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?
Have you had property foreclosed upon in the last 7 years?
Have you been declared bankrupt in the past 7 years?
Are you obligated to pay alimony, child support, or separate maintenance?
Is any part of the down payment borrowed?

Social Security or Tax ID#

Why do we need your SSN? This information is used to access your credit report to determine eligibility. If you have questions please contact us:mortgagelending@eb-us.com

Date of Birth

Citizenship

Marital Status

Dependents

Separate ages by commas.

Have you or your spouse served in the military?

Do you intend to apply for joint credit?(Do you have a Co-Borrower?)

Co-Borrower Information

Personal Info

Co-Borrower Information

Current Address

Co-Borrower Information

Years at this address

Do you rent or own?

Co-Borrower Information

About this Property and Your Money for this Loan

Will you occupy the property as your primary residence?
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)?

Co-Borrower Information

About Your Finances

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?
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 potentially have any personal financial liability?
Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?
Have you had property foreclosed upon in the last 7 years?
Have you been declared bankrupt in the past 7 years?

Co-Borrower Information

Are you obligated to pay alimony, child support, or separate maintenance?
Is any part of the down payment borrowed?

Co-Borrower Information

Date of Birth

Social Security or Tax ID#

Why do we need your SSN? This information is used to access your credit report to determine eligibility. If you have questions please contact us:mortgagelending@eb-us.com

Citizenship

Co-Borrower Information

Marital Status

Dependents

Separate ages by commas.

Choose a branch that works best for you

How do you intend to use the new property?

Co-Borrower Information

How do you intend to use the new property?

Are you currently employed?

Co-Borrower Information

Are you currently employed?

Primary Borrower Assets & Income

Submitting income from alimony, child support, or separate maintenance income is optional if you do not want to use that income for qualification purposes.

$

Co-Borrower Assets & Income

$

Do you have money for a down payment?

Government Information

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. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.

Sex

Ethnicity

Race

Co-Borrower Information

Government Information

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. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race, and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.

Sex

Ethnicity

Race

Privacy Policy

We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

Thank you.
Your application has been submitted.
Please check your email for confirmation.

Your Loan Number for reference is:

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What's Next?

One of our attentive and highly knowledgable personal lenders will be contacting you soon.

Once you’ve been connected with your lender, he or she will work with you to determine your home buying options.

If you pre-qualify, you’re ready to find your dream home

For any questions or inquiries regarding your application, please contact us through the link below:

Contact Us

Helping you find your dream home.

How it works.

Take a few minutes to fill out our secure online application. Through straightforward questions, we’ll accurately capture your unique financial situation and take the guesswork out of your house price point. Once submitted, you will be contacted by one of our personal lenders who will walk you through your options and next steps.

Who can pre-qualify?

Anyone! Pre-qualifying is simply the first step in the process of buying a house. It’s where you provide a snapshot of your financial situation and receive an ideal price point and mortgage payment for your home.

Why Exchange Bank?

Our lenders love nothing more than helping you find the perfect home that doesn’t break your bank account. To ensure unparalleled service, you work with the same lender from start to finish. Meet with them, call them up, whatever you need to put you at ease through the homebuying process.

Restrictions apply. See an Exchange Bank Home Mortgage Loan Officer for complete details.