Notice: Alimony, child support, or other separate maintenance income need not be revealed if the applicant or co-applicant does not choose to have it considered as a basis for repaying the loan.
Consumer reports (credit reports) may be obtained in connection with your loan application. (1) if you request, you will be informed whether or not consumer reports were obtained. (2) If reports were obtained. If you request, you will be informed of the names and addresses of the consumer reporting agencies (credit bureaus) that furnished the reports. You must insure real or personal property securing your loan in accordance with the requirements of the loan documents. You may purchase such insurance through any insurance agent and from any insurance company that is reasonable to us. We may report information about your account to credit bureaus, late payments, missed payments, or other defaults on your account may be reflected in your credit report. My/our signature below authorizes First National Bank to obtain a credit report, loan balances, or payoff information and to verify employment information listed herein.
This application is submitted to obtain credit and I hereby acknowledge receipt of the disclosures contained herein and certify that all information herein is true and complete.
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. The law provides that a lender may not discriminate either on a basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish this information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for).
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