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Questions? Call or text 956-877-8777 | [email protected]
About You
Let's start with your contact information.
By checking this box, I authorize LiveRGV.net and Willow Bend Mortgage Company, LLC (NMLS #117371) to send text messages regarding my mortgage inquiry. Standard message and data rates may apply. I may opt out at any time by replying STOP.
Current Address
You've been at your current address less than 2 years. Please provide your previous address.
Add a Co-Borrower (spouse, family member, etc.)
By checking this box, I authorize LiveRGV.net and Willow Bend Mortgage Company, LLC (NMLS #117371) to send text messages to the co-borrower regarding this mortgage inquiry. Standard message and data rates may apply. The co-borrower may opt out at any time by replying STOP.
Co-Borrower Address
Same address as Borrower
Please provide co-borrower's previous address.
Your Loan Goal
Tell us what you're trying to accomplish.
✓
🔑Buy a Home
✓
🔄Refinance
✓
🏗️Construction Loan
✓
➕Other
✓
$Investment Loan
Subject Property Address
✓
🏡Single Family
✓
🏢Condo/Townhome
✓
🏘️Multi-Unit
✓
🏠Primary Home
✓
🌴Second Home
✓
📈Investment
Investment / DSCR Details
For investment loans, we may care more about property cash flow, expected rent, reserves, and program type than ordinary W-2 income.
If you have Credit Karma or access to your credit report, please use your middle score.
760+
Excellent
740-759
Very Good
720-739
Good
700-719
Good
<700
Let's Talk
No worries at all — we work with all credit situations. Let's connect so we can put together a plan that works for you. Call or text 956-877-8777. You can still complete this application.
760+
740-759
720-739
700-719
<700
✓
🎖️Yes
✓
👤No
Employment & Income
Tell us about your current employment.
Borrower Employment
✓
📋W-2 Employee
✓
🏢Self-Employed / 1099
✓
➕Other
Calculated from hourly × hours × 52 ÷ 12. You can edit this manually.
You've been with this employer less than 2 years. Please provide your previous employer if possible.
Based on Schedule C or business tax returns — 2-year average will be used.
Do you have a second job?
Is this second job part-time or full-time?
✓
⏱️Part-Time
✓
📅Full-Time
Additional / Supplemental Income
Check all that apply. Each checked item will ask for the monthly amount.
Social Security / SSI / Disability
Retirement / Pension
Child Support / Alimony
Surviving Spouse Benefits
Other Benefits / Income
Co-Borrower Employment & Income
Tell us about the co-borrower's employment.
Co-Borrower Employment
✓
📋W-2 Employee
✓
🏢Self-Employed / 1099
✓
➕Other
Co-Borrower Supplemental Income
Social Security / SSI / Disability
Retirement / Pension
Other Benefits / Income
Liabilities & Credit Background
This section is optional — the more you provide, the more accurate your scenario. We'll verify everything when we pull credit.
Self-reported information only. Actual liabilities will be verified via credit report. This does not constitute a credit inquiry.
Current Housing
If any money is coming from someone else or a program, we will confirm what documents are needed.
This helps flag departing residence, rental income, and extra property expense questions.
I want to provide my monthly obligations for a more accurate estimate
Examples: car payment, credit cards, student loans, personal loans
Borrower Liabilities
| Creditor / Account | Monthly Payment |
|---|---|
Co-Borrower Liabilities
| Creditor / Account | Monthly Payment |
|---|---|
Credit History
Any late payments in the last 12 months?
✓
⚠️Yes
✓
✅No
Any late payments in the last 24 months?
✓
⚠️Yes
✓
✅No
Any open collections?
✓
📋Yes
✓
✅No
Are you currently working with a credit repair company?
✓
🔧Yes
✓
✅No
Assets
List any bank accounts you have. Estimated balance is fine — we'll verify with statements later.
Were you referred by a REALTOR®?
They'll receive a text when you submit
Declarations
The following questions are from the Uniform Residential Loan Application (Fannie Mae Form 1003). Please answer for yourself — and your co-borrower if applicable.
Borrower
Will you occupy the property as your primary residence?
Have you had an ownership interest in another property in the last 3 years?
Are you a co-signer or guarantor on any debt not disclosed in 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?
Have you conveyed title to any property in lieu of foreclosure in the last 7 years?
Have you been declared bankrupt within the past 7 years?
Are you presently delinquent or in default on any loan or agreement?
Will any part of the down payment be borrowed?
Are you a U.S. citizen?
Are you a permanent resident alien?
Do you intend to occupy the property as your primary residence? (If yes, have you had an ownership interest in a property in the last 3 years?)
Review & Submit
Everything look good? Review below and submit when ready.
Willow Bend Mortgage Company, LLC
NMLS #117371 | Equal Housing Lender
By submitting this application, I authorize Willow Bend Mortgage Company, LLC (NMLS #117371) and Jorge J. Alanis (NMLS #2523742) to contact me regarding my mortgage inquiry and to verify the information I have provided. I understand that this is not a loan commitment and that all information is subject to verification. This does not constitute a hard credit inquiry.
I have read and agree to the above authorization. I certify that the information provided in this application is true and complete to the best of my knowledge.
Standard message and data rates may apply. By submitting you agree to receive text messages about your mortgage inquiry. You may opt out at any time.