Jin Kim MortgageNMLS #1797070 · Realtopia Mortgage Lending · 213-700-7568
Uniform Residential Loan Application
Freddie Mac Form 65 · Fannie Mae Form 1003 · Effective 1/2021
jinkimmortgage.com
Lender Loan No. / Universal Loan Identifier
Agency Case No.
★ Required Field= Please complete all highlighted fieldsOptional= Complete if applicable to your situation
★ Fields marked in yellow are required. All others are optional — complete if applicable.
Verify and complete the information on this application. If you are applying for this loan with others, each additional Borrower must provide information as directed by your Lender.
1Personal Info
2Employment
3Real Estate
4Loan Info
5Declarations
6Agreements
Section 1: Borrower Information
— This section asks about your personal information and your income from employment and other sources.
1a. Personal Information
Type of Credit
Total Number of Borrowers
Name(s) of Other Borrower(s) — First, Middle, Last, Suffix
Name — First
Middle
Last
Suffix
Alternate Names — List any names under which credit was previously received
Social Security Number (SSN)
––
Date of Birth (mm/dd/yyyy)
Citizenship
Home Phone
()–
Cell Phone
()–
Work Phone
()– Ext.
Email Address
Current Address — Street
Unit #
City
State
ZIP
Country
How Long — Years
Months
Housing
Former Address(if at current address less than 2 years)
Street
Unit #
City
State
ZIP
Years
Months
Housing
Mailing Address(if different from current address)
Street
Unit #
City
State
ZIP
Marital Status
Dependents (not listed by another Borrower)
Number
Ages
Section 1: Borrower Information — Employment & Income
1b. Current Employment / Self-Employment and Income
Employer or Business Name
Phone
()–
Street Address
Unit #
City
State
ZIP
Position or Title
Start Date (mm/dd/yyyy)
Years in Field
Months
Self-Employment Status
Ownership Share %
Gross Monthly Income
Base
$/month
Overtime
$/month
Bonus
$/month
Commission
$/month
Military Entitlements
$/month
Other
$/month
TOTAL Monthly Income
$/month
1c. Additional Employment / Self-Employment and Income
2nd Employer or Business Name
Phone
()–
Street Address
State
ZIP
Position or Title
Start Date
Base Monthly Income
$/month
Overtime
$/month
Other
$/month
1d. Previous Employment(provide at least 2 years of history)
Previous Employer or Business Name
Street Address / City / State
Position or Title
Start Date
End Date
Monthly Income
$/mo
1e. Income from Other Sources
Income Source
Monthly Income
$/month
Section 2: Financial Information — Assets and Liabilities
2a. Assets — Bank Accounts, Retirement, and Other Accounts
Account Type
Financial Institution
Account Number
Cash or Market Value
$
$
2c. Liabilities — Credit Cards, Other Debts, and Leases
Account Type
Company Name
Account Number
Unpaid Balance
Monthly Payment
Pay Off?
$
$
Section 3: Financial Information — Real Estate
3a. Property You Own
Property Address — Street
Unit #
City
State
ZIP
Property Value
$
Status
Intended Occupancy
Monthly Insurance / Taxes / HOA
$/mo
Monthly Rental Income (2-4 Unit or Investment)
$/mo
Creditor Name
Account Number
Monthly Mortgage Payment
$
Unpaid Balance
$
Pay Off?
Loan Type
Section 4: Loan and Property Information
4a. Loan and Property Information
Loan Amount
$
Loan Purpose
Property Address — Street
Unit #
City
State
ZIP
County
Number of Units
Property Value / Purchase Price
$
Occupancy
1. Mixed-Use Property?
2. Manufactured Home?
4b. Other New Mortgage Loans on the Property (if applicable)
Creditor Name
Lien Type
Monthly Payment
$
Loan Amount
$
4d. Gifts or Grants (if applicable)
Asset Type
Source
Amount
$
Deposited?
Section 5: Declarations
5a. About this Property and Your Money for this Loan
Answer YES or NO to each question. If YES, provide details where indicated.
A. Will you occupy the property as your primary residence?
— If YES: Have you had an ownership interest in another property in the last 3 years?
Property type:Title held:
B. Do you have a family relationship or business affiliation with the seller?
C. Are you borrowing any additional money for this transaction (down payment, closing costs, or from another party)?
E. Will this property be subject to a clean energy lien (e.g. PACE program)?
5b. About Your Finances
Question
NO / YES
D1. Have you applied for a mortgage on another property on or before closing?
D2. Have you applied for any new credit on or before closing?
F. Are you a co-signer or guarantor on any debt not disclosed on this application?
G. Are there any outstanding judgments against you?
H. Are you currently delinquent or in default on a Federal debt?
I. Are you a party to a lawsuit with potential personal financial liability?
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years?
K. Within the past 7 years, have you completed a short sale?
L. Have you had property foreclosed upon in the last 7 years?
M. Have you declared bankruptcy within the past 7 years?
If YES, type:
Section 6: Acknowledgments and Agreements
I agree to, acknowledge, and represent the following: The information I have provided in this application is true, accurate, and complete as of the date I signed this application. If the information I submitted changes or I have new information before closing of the Loan, I must change and supplement this application. The Lender and Other Loan Participants may rely on the information contained in the application before and after closing of the Loan. Any intentional or negligent misrepresentation of information may result in civil liability and/or criminal penalties.
By signing, I expressly authorize the Lender to obtain, use, and share my loan application, consumer credit report, and tax return information as necessary to process and underwrite my loan.
Borrower Signature (type full name to acknowledge)
Date (mm/dd/yyyy)
Co-Borrower Signature (if applicable)
Date
Section 7: Military Service
Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?
Section 8: Demographic Information
The purpose of collecting this information is to help ensure that all applicants are treated fairly. You are not required to provide this information, but are encouraged to do so.
Ethnicity
Race
Sex
Section 9: Loan Originator Information
Loan Originator Organization
Realtopia Mortgage Lending
NMLSR ID#
1797070
Loan Originator Name
Jin Kim
NMLSR ID#
1797070
Phone
213-700-7568
Please review all sections before submitting. Required fields (★) must be completed.
Your information is encrypted and transmitted securely. Jin Kim will contact you within 24 hours.
Step 1 of 6
✅ Application Submitted!
Thank you, . Now please upload your supporting documents below.
Document Upload Progress0 of 5 required docs uploaded
📄 Income Documents — required for all borrowers
✓
W-2 Forms ★ Required
Most recent 2 years (2022 & 2023) from all employers
✓
Pay Stubs ★ Required
Most recent 30 days (2 consecutive pay stubs)
✓
1099 Forms If Applicable
If self-employed or have 1099 income (most recent 2 years)
✓
Business Tax Returns + P&L Self-Employed
2 years business tax returns & year-to-date Profit & Loss statement
📋 Federal Tax Returns — all pages including schedules
✓
Federal Tax Returns (1040) ★ Required
Most recent 2 years — all pages & all schedules
🏦 Asset & Bank Statements — all pages, all accounts
✓
Bank Statements ★ Required
Most recent 2 months — all pages (checking, savings)
✓
Retirement / Investment Statements ★ Required
Most recent statement — 401(k), IRA, brokerage, etc.
✓
Gift Letter + Donor Bank Statement If Gift Funds
Required if any portion of down payment is a gift
🪪 Identification
✓
Government-Issued Photo ID ★ Required
Driver's license, passport, or state ID (front & back)
✓
Green Card / Visa / EAD Non-Citizen
If not a U.S. citizen — front & back
🏠 Property Documents — if applicable
✓
Purchase Contract Purchase Only
Fully executed purchase agreement & all addenda
✓
Current Mortgage Statement Refinance
Most recent statement for property being refinanced
✓
HOA Statement If HOA
Current HOA monthly dues statement
📎 Additional Documents — if applicable
✓
Divorce Decree / Separation Agreement If Applicable
If divorced — include all pages
✓
Bankruptcy Discharge Papers If Applicable
Complete bankruptcy discharge documentation
✓
Rental Income — Lease Agreement If Rental Income
Current signed lease for each rental property
🎉 All Required Documents Uploaded!
Jin Kim will review your application and contact you within 24 hours.
Questions? Call 213-700-7568 or email jinkimbroker@gmail.com