The Application Process
Clear. Simple. No Surprises.
The 6 Key Pieces of Information
According to federal guidelines, once we collect these six items, your mortgage application is considered official under the law (TRID – TILA/RESPA Integrated Disclosure Rule):
- Name
- Income
- Social Security Number
- Property Address
- Estimated Value of the Property
- Loan Amount Requested
Once these six data points are collected, the loan application is triggered, and we’re required to send you disclosures like the Loan Estimate (LE) within three business days. That’s why it’s important to understand what constitutes an application—even if you’re still shopping around.
What is the 1003?
The 1003 (officially, the Uniform Residential Loan Application) is the standard form used in virtually all mortgage applications. It gathers your personal and financial information, helps lenders assess your creditworthiness, and serves as the backbone of your file.
At Vitae, we walk through the 1003 together—line by line if needed. My goal isn’t just to fill out a form, but to help you understand what it means and why each piece matters.
Documents You'll Provide
To get your file moving quickly and accurately, here are the most common items I’ll request at the start:
✅ Last 2 Years’ W-2s
✅ Most Recent 2 Pay Stubs
✅ Last 2 Months of Bank Statements (All Pages)
✅ Photo ID
If you’re self-employed, retired, or have other income sources (rental, alimony, etc.), I’ll guide you on alternate documentation like tax returns, 1099s, or award letters.
These documents help us verify your income, assets, and identity, and they allow us to lock in accurate pricing when submitting your loan.
My Promise to You
No repetitive uploads. No sending the same document three times. I keep it organized, streamlined, and secure.
From the moment you submit your application, I handle everything personally—from document review to submission and beyond. That means faster processing, fewer headaches, and clear answers whenever you need them.