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Will there be another borrower on this application?

No
Yes

Are you and the other borrower married?

No
Yes
Message: Thank you for informing us that there will be another borrower on this loan application. Please only include your information during the following steps required to complete your application. Once we receive your completed application at the end of this process, we will then work with you to gather the contact information of the other borrower so that we may collect his/her information separately.

Consents

*Credit Check Authorization:

During your mortgage loan application process, this institution performs a Credit Check that requires us to obtain and confirm information regarding your personal and financial background. This Credit Check includes, but is not limited to, your marital status, number of dependents, current and past employers, current deposit accounts, current and past consumer credit accounts, and your mortgage and/or rental history. By selecting "I Authorize this Credit Check" you are giving permission to American Bancshares Mortgage, LLC to run a credit report on your behalf.
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  I AGREE ()

*Authorization to Receive
Electronic Disclosures:

In order to successfully process your mortgage loan application, you must agree to receive certain disclosures from this institution in electronic form rather than paper form. You must also agree to the terms of the eDisclosure Agreement, which include software and hardware requirements and your responsibility to maintain and provide a valid email address. Certain disclosures may be provided to you in paper form as necessary once your mortgage loan application is received.
I AGREE ()
  I AGREE ()

*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.
I AGREE ()
  I AGREE ()

How may we assist you today?

*Mortgage purpose

Purchase
Refinance

*Will you live in theas your Primary Residence?

Personal Information ()


Current Address

Years
Months

Mailing address same as current address?

Yes
No

Mailing Address?

Personal Information ()


Current AddressCopy From

Years
Months

Mailing address same as current address?

Yes
No

Mailing Address?

Personal Information (contd)

Information for Government Monitoring

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 application in person, under federal regulations the lender is required to note ethnicity, race, and sex on the basis of visual observation or surname.

Option

Sex:

Ethnicity:

Race:

I do not wish to furnish this information
Male
Female
Hispanic or latino
Not Hispanic or latino
American indian or Alaska native
Asian
Black or African American
Native Hawaiian or other pacific islander
White

Finding a Customized Loan Solution

Please help us begin to identify your personal loan solution by Clicking all the Apply:

Choose your loan program

program features


Conventional:

American Bancshares Mortgage is a Fannie Mae Seller/Servicer. We offer a variety of Fannie Mae conforming fixed rate mortgages.


FHA loan:

FHA Loans provide option for as little as 3.5% down payment, and if needed, funds can be a gift from a family member.

VA:

Thank you for your service to our nation!
American Bancshares Mortgage is a qualified VA Lender. In 1944 the US government created a military loan guarantee program to help qualified service member’s purchase a home. Program Features include Zero downpayment and No Mortgage installment

USDA:

American Bancshares is a USDA guaranteed approved lender. USDA loans provide low to moderate income borrowers affordable housing options, must meet certain eligibility guidelines. Program Features include Zero downpayment, no cash reserves required and closing costs may be financed.

Jumbo:

American Bancshares offers jumbo loans

Other:


Amortization Type

Fixed
Adjustable

Thank you for helping us to begin to better understand your customized loan solution. Rest assured, our team of Mortgage Professionals will discuss your personal situation with to ensure we match you to the best loan solution to meet your needs.

Employment

Please provide us with information on at least your last 2 years of employment




Employer name
Current Employer
Title/position
Start Date
End date
Delete

Please provide us with information on at least your last 2 years of employment



Business Name
Title/position
Start Date
End date
Delete



Income Sources (Please Enter Monthly Amounts)





Income Sources (Please Enter Monthly Amounts)


Declarations


*Are there any outstanding judgements against you?

Yes
No

* Have you been declared bankrupt within the past 7 years?

Yes
No

* Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

Yes
No

* Are you a party to a lawsuit?

Yes
No

* Have you been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgement?

Yes
No

* Are you presently delinquent or in default on any Federal debt or any other loans?

Yes
No

* Are you obligated to pay alimony, child support, or separate maintenance?

Yes
No

* Is any part of the down payment borrowed?

Yes
No

* Are you a co-maker or endorser on a note?

Yes
No

* Are you a U.S. citizen?

Yes
No

* Are you a permanent resident alien?

Yes
No

* Do you intend to occupy the property as your primary residence?

Yes
No

* Have you had an ownership interest in a property in the last three years?

Yes
No


* Are there any outstanding judgements against you?

Yes
No

* Have you been declared bankrupt within the past 7 years?

Yes
No

* Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

Yes
No

* Are you a party to a lawsuit?

Yes
No

* Have you been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgement?

Yes
No

* Are you presently delinquent or in default on any Federal debt or any other loans?

Yes
No

* Are you obligated to pay alimony, child support, or separate maintenance?

Yes
No

*Is any part of the down payment borrowed?

Yes
No

* Are you a co-maker or endorser on a note?

Yes
No

* Are you a U.S. citizen?

Yes
No

* Are you a permanent resident alien?

Yes
No

*Do you intend to occupy the property as your primary residence?

Yes
No

* Have you had an ownership interest in a property in the last three years?

Yes
No

Assets

Please enter your Assets information you have readily available

 
 

Account/Asset Type:

Owned:

Cash value:

Account number:

Institution:

Address:

City:

State:

Zip:

 

Institution

Please Provide total housing expenses. Include expenses for the current residence only

Other Liabilities

Please enter your Liabilities information you have readily available

Liability type:

Owned:

Account number:

Balance:

Monthly payment:

Months left to pay:

Paid off by closing:

Yes       No

Institution:

Address:

City:

State:

Zip:

 





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Contact

NMLS ID:217378  (www.nmlsconsumeraccess.org)
"Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site."


Copyright © 2016 American Bancshares Mortgage, LLC, d/b/a ABSM, LLC and ABSM is a Licensed Mortgage Lender. NMLS ID:217378.