Form 26-1802A HUD/VA Addendum to Uniform Residential Loan Application,

HUD/VA Addendum to Uniform Residential Loan
Application
Part I - Identifying Information (mark the type of application)
1.

VA Application for
Home Loan Guaranty

OMB Approval No. VA: 2900-0144
HUD: 2502-0509 (exp. 9/30/2010
2. Agency Case No. (include any suffix)

4. Section of the Act
(for HUD cases)

3. Lender’s Case No.

HUD/FHA Application for Insurance
under the National Housing Act

5. Borrower’s Name & Present Address (Include zip code)

7. Loan Amount (include the UFMIP if
for HUD or Funding Fee if for VA)

8. Interest Rate

$

9. Proposed Maturity
%

10. Discount Amount
(only if borrower is
permitted to pay)
6. Property Address (including name of subdivision, lot & block no. & zip code)

$

mos.

12b. Term of Monthly
Premium

$
/mo.
14. Sponsor/Agent I.D. Code

13. Lender’s I.D. Code

15. Lender’s Name & Address (include zip code)

yrs.

11. Amount of Up Front 12a. Amount of Monthly
Premium
Premium

months

16. Name & Address of Sponsor/Agent

17. Lender’s Telephone Number

Type or Print all entries clearly
VA: The veteran and the lender hereby apply to the Secretary of Veterans Affairs for Guaranty of the loan described here under Section 3710, Chapter 37, Title 38,
United States Code, to the full extent permitted by the veteran’s entitlement and severally agree that the Regulations promulgated pursuant to Chapter 37, and
in effect on the date of the loan shall govern the rights, duties, and liabilities of the parties.
18. First Time
Homebuyer?

19. VA Only
Title will be Vested in:

20. Purpose of Loan (blocks 9 -12 are for VA loans only)
1)

Purchase Existing Home Previously Occupied

7)

Construct Home (proceeds to be paid out during construction)

a.

Yes

Veteran

2)

Finance Improvements to Existing Property

8)

Finance Co-op Purchase

b.

No

Veteran & Spouse

3)

Refinance (Refi.)

9)

Purchase Permanently Sited Manufactured Home

Other (specify)

4)

Purchase New Condo. Unit

10)

Purchase Permanently Sited Manufactured Home & Lot

5)

Purchase Existing Condo. Unit

11)

Refi. Permanently Sited Manufactured Home to Buy Lot

6)

Purchase Existing Home Not Previously Occupied

12)

Refi. Permanently Sited Manufactured Home/Lot Loan

Part II - Lender’s Certification
21. The undersigned lender makes the following certifications to induce the
Department of Veterans Affairs to issue a certificate of commitment to guarantee the
subject loan or a Loan Guaranty Certificate under Title 38, U.S. Code, or to induce the
Department of Housing and Urban Development - Federal Housing Commissioner to
issue a firm commitment for mortgage insurance or a Mortgage Insurance Certificate
under the National Housing Act.
A. The loan terms furnished in the Uniform Residential Loan Application and
this Addendum are true, accurate and complete.
B. The Information contained in the Uniform Residential Loan Application and
this Addendum was obtained directly from the borrower by an employee of
the undersigned lender or its duly authorized agent and is true to the best
of the lender’s knowledge and belief.
C. The credit report submitted on the subject borrower (and co-borrower, if
any) was ordered by the undersigned lender or its duly authorized agent
directly from the credit bureau which prepared the report and was received
directly from said credit bureau.
D. The verification of employment and verification of deposits were requested
and received by the lender or its duly authorized agent without passing
through the hands of any third persons and are true to the best of the
lender’s knowledge and belief.
Items "H" through "J" are to be completed as applicable for VA loans only.

E. The Uniform Residential Loan Application and this Addendum were signed by
the borrower after all sections were completed.
F. This proposed loan to the named borrower meets the income and credit
requirements of the governing law in the judgment of the undersigned.
G. To the best of my knowledge and belief, I and my firm and its principals: (1)
are not presently debarred, suspended, proposed for debarment, declared
ineligible, or voluntarily excluded from covered transactions by any Federal
department or agency; (2) have not, within a three-year period preceding
this proposal, been convicted of or had a civil judgment rendered against
them for (a) commission of fraud or a criminal offense in connection with
obtaining, attempting to obtain, or performing a public (Federal, State or
local) transaction or contract under a public transaction; (b) violation of
Federal or State antitrust statutes or commission of embezzlement, theft,
forgery, bribery, falsification or destruction of records, making false
statements, or receiving stolen property; (3) are not presently indicted for or
otherwise criminally or civilly charged by a governmental entity (Federal,
State or local) with commission of any of the offenses enumerated in
paragraph G(2) of this certification; and (4) have not, within a three-year
period preceding this application/proposal, had one or more public
transactions (Federal, State or local) terminated for cause or default.

H. The names and functions of any duly authorized agents who developed on behalf of the lender any of the information or supporting credit data submitted are as follows:
Function (e.g., obtained information on the Uniform Residential Loan
Application, ordered credit report, verifications of employment, deposits, etc.

Name & Address

If no agent is shown above, the undersigned lender affirmatively certifies that all information and supporting credit data were obtained directly by the lender.
I. The undersigned lender understands and agrees that it is responsible for the omissions, errors, or acts of agents identified in item H as to the functions with
which they are identified.
J. The proposed loan conforms otherwise with the applicable provisions of Title 38, U.S. Code, and the regulations concerning guaranty or insurance of loans
to veterans.
Signature of Officer of Lender
Title of Officer of Lender
Date (mm/dd/yyyy)

Part III - Notice to Borrowers. Public reporting burden for this collection of information is estimated to average 6 minutes per response, including the time for reviewing instructions,
searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. This agency may not conduct or sponsor,
and a person is not required to respond to, a collection of information unless that collection displays a valid OMB control number.
Privacy Act Information. The information requested on the Uniform Residential Loan Application and this Addendum is authorized by 38 U.S.C. 3710 (if for DVA) and 12 U.S.C.
1701 et seq. (if for HUD/FHA). The Debt Collection Act of 1982, Pub. Law 97-365, and HUD’s Housing and Community Development Act of 1987, 42 U.S.C. 3543, require persons
applying for a federally insured or guaranteed loan to furnish his/her social security number (SSN). You must provide all the requested information, including your SSN. HUD
and/or VA may conduct a computer match to verify the information you provide. HUD and/or VA may disclose certain information to Federal, State and local agencies when
relevant to civil, criminal, or regulatory investigations and prosecutions. It will not otherwise be disclosed or released outside of HUD or VA, except as required and permitted by
law. The information will be used to determine whether you qualify as a mortgagor. Any disclosure of information outside VA or HUD/FHA will be made only as permitted by law.
Failure to provide any of the requested information, including SSN, may

VA Form 26-1802a (4/2007)

page 1

form HUD-92900-A (4/2007)

result in disapproval of your loan application. This is notice to you as required by the Right to Financial Privacy Act of 1978 that VA or HUD/FHA has a right of access to financial
records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your transaction will be available to VA
and HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another Government Agency or Department without your consent
except as required or permitted by law.
Caution. Delinquencies, defaults, foreclosures and abuses of mortgage loans involving programs of the Federal Government can be costly and detrimental to your credit, now and
in the future. The lender in this transaction, its agents and assigns as well as the Federal Government, its agencies, agents and assigns, are authorized to take any and all of the
following actions in the event loan payments become delinquent on the mortgage loan described in the attached application: (1) Report your name and account information to a
credit bureau; (2) Assess additional interest and penalty charges for the period of time that payment is not made; (3) Assess charges to cover additional administrative costs
incurred by the Government to service your account; (4) Offset amounts owed to you under other Federal programs; (5) Refer your account to a private attorney, collection agency
or mortgage servicing agency to collect the amount due, foreclose the mortgage, sell the property and seek judgment against you for any deficiency; (6) Refer your account to the
Department of Justice for litigation in the courts; (7) If you are a current or retired Federal employee, take action to offset your salary, or civil service retirement benefits; (8) Refer
your debt to the Internal Revenue Service for offset against any amount owed to you as an income tax refund; and (9) Report any resulting written-off debt of yours to the Internal
Revenue Service as your taxable income. All
of these actions can and will be used to recover any debts owed when it is determined to be in the interest of the lender and/or the Federal Government to do so.

Part IV - Borrower Consent for Social Security Administration to Verify Social Security Number
I authorize the Social Security Administration to verify my Social Security number to the Lender identified in this document and HUD/FHA, through a computer match conducted by
HUD/FHA.
I understand that my consent allows no additional information from my Social Security records to be provided to the Lender, and HUD/FHA and that verification of my Social
Security number does not constitute confirmation of my identity. I also understand that my Social Security number may not be used for any other purpose that the one stated
above, including resale or redisclosure to other parties. The only other redisclosure permitted by this authorization is for review purposes to ensure that HUD/FHA complies with
SSA’s consent requirements.
I am the individual to whom the Social Security number was issued or that person’s legal guardian. I declare and affirm under the penalty of perjury that the information contained
herein is true and correct. I know that if I make any representation that I know is false to obtain information from Social Security records, I could be punished by a fine or
imprisonment or both.
This consent is valid for 180 days from the date signed, unless indicated other wise by the individual(s) named in this loan application.
Signature(s) of Borrower(s) - Read consent carefully. Review accuracy of social security number(s) and birth dates provided on this application.

Date signed

Part V - Borrower Certification
22. Complete the following for a HUD/FHA Mortgage
22a. Do you own or have you sold other real estate within the
past 60 months on which there was a HUD/FHA mortgage?

Is it to be sold?
Yes

No

Yes

No

22b. Sales Price
$

22c. Original Mortgage Amt.
$

22d. Address
22e. If the dwelling to be covered by this mortgage is to be rented, is it a part of, adjacent or contiguous to any project subdivision or group of concentrated rental properties
involving eight or more dwelling units in which you have any financial interest?
Yes
No
If "Yes" give details
22f. Do you own more than four dwellings?
Yes
No If "Yes" submit form HUD-92561.
23. Complete for VA-Guaranteed Mortgage. Have you ever had a VA home loan?

Yes

No

24. Applicable for Both VA & HUD. As a home loan borrower, you will be legally obligated to make the mortgage payments called for by your mortgage loan contract. The
fact that you dispose of your property after the loan has been made will not relieve you of liability for making these payments. Payment of the loan in full is ordinarily
the way liability on a mortgage note is ended. Some homebuyers have the mistaken impression that if they sell their homes when they move to another locality, or dispose
of it for any other reasons, they are no longer liable for the mortgage payments and that liability for these payments is solely that of the new owners. Even though the new
owners may agree in writing to assume liability for your mortgage payments this assumption agreement will not relieve you from liability to the holder of the note which you
signed when you obtained the loan to buy the property. Unless you are able to sell the property to a buyer who is acceptable to VA or to HUD/FHA and who will assume the
payment of your obligation to the lender, you will not be relieved from liability to repay any claim which VA or HUD/FHA may be required to pay your lender on account of
default in your loan payments. The amount of any such claim payment will be a debt owed by you to the Federal Government. This debt will be the object of established
collection procedures.
25. I, the Undersigned Borrower(s) Certify that:
(1) I have read and understand the foregoing concerning my liability on the
loan and Part III Notices to Borrowers.
(2) Occupancy: (for VA only - mark the applicable box)
(a) I now actually occupy the above-described property as my home or
intend to move into and occupy said property as my home within a
reasonable period of time or intend to reoccupy it after the completion of
major alterations, repairs or improvements.
(b) My spouse is on active military duty and in his or her absence, I
occupy or intend to occupy the property securing this loan as my home.
(c) I previously occupied the property securing this loan as my home. (for
interest rate reductions)
(d) While my spouse was on active military duty and unable to occupy
the property securing this loan, I previously occupied the property that is
securing this loan as my home. (for interest rate reduction loans)
Note: If box 2b or 2d is checked, the veterans’s spouse must also sign
below.
(3) Mark the applicable box (not applicable for Home Improvement or
Refinancing Loan) I have been informed that ($
) is:
the reasonable value of the property as determined by VA or,
the statement of appraised value as determined by HUD/FHA
Note: If the contract price or cost exceeds the VA "Reasonable Value" or
HUD/FHA "Statement of Appraised Value", mark either item (a) or item (b)
whichever is applicable.
(a) I was aware of this valuation when I signed my contract and I have
paid or will pay in cash from my own resources at or prior to loan closing
a sum equal to the difference between the contract purchase price or cost
and the VA or Hud/FHA established value. I do not and will not have
outstanding after loan closing any unpaid contractual obligation on
account of such cash payment;

(b) I was not aware of this valuation when I signed my contract but have
elected to complete the transaction at the contract purchase price or cost.
I have paid or will pay in cash from my own resources at or prior to loan
closing a sum equal to the difference between contract purchase price or
cost and the VA or HUD/FHA established value. I do not and will not have
outstanding after loan closing any unpaid contractual obligation on account
of such cash payment.
(4) Neither I, nor anyone authorized to act for me, will refuse to sell or rent, after the
making of a bona fide offer, or refuse to negotiate for the sale or rental of, or otherwise
make unavailable or deny the dwelling or property covered by his/her loan to any person
because of race, color, religion, sex, handicap, familial status or national origin. I
recognize that any restrictive covenant on this property relating to race, color, religion, sex,
handicap, familial status or national origin is illegal and void and civil action for preventive
relief may be brought by the Attorney General of the United States in any appropriate
U.S.District Court against any person responsible for the violation of the applicable law.
(5) All information in this application is given for the purpose of obtaining a loan to be
insured under the National Housing Act or guaranteed by the Department of Veterans
Affairs and the information in the Uniform Residential Loan Application and this Addendum
is true and complete to the best of my knowledge and belief. Verification may be obtained
from any source named therein.
(6) For HUD Only (for properties constructed prior to 1978) I have received information on
lead paint poisoning.
YES
Not Applicable
(7) I am aware that neither HUD/FHA nor VA warrants the condition or value of
the property

Signature(s) of Borrower(s) - Do not sign unless this application is fully completed. Read the certifications carefully & review accuracy of this application.

Date

Federal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy purposed to influence the
issuance of any guaranty or insurance by the VA Secretary or the HUD/FHA Commissioner.

VA Form 26-1802a (4/2007)

page 2

form HUD-92900-A (4/2007)

U.S. Department of Housing
and Urban Development

Direct Endorsement Approval for a HUD/FHA- Insured Mortgage
Part I - Identifying Information (mark the type of application)

2. Agency Case No. (include any suffix)

4. Section of the Act
(for HUD cases)

3. Lender’s Case No.

HUD/FHA Application for Insurance
under the National Housing Act

1.

5. Borrower’s Name & Present Address (Include zip code)

7. Loan Amount (include the UFMIP)

8. Interest Rate

$

9. Proposed Maturity
%

10. Discount Amount
(only if borrower is
permitted to pay)
6. Property Address (including name of subdivision, lot & block no. & zip code)

yrs.

11. Amount of Up Front 12a. Amount of Monthly
Premium
Premium

$
13. Lender’s I.D. Code

mos.

12b. Term of Monthly
Premium

$
/mo.
14. Sponsor/Agent I.D. Code

months

16. Name & Address of Sponsor/Agent

15. Lender’s Name & Address (include zip code)

17. Lender’s Telephone Number

Type or Print all entries clearly
Approved: Approved subject to the additional conditions stated below, if any.
Date Mortgage Approved
Loan Amount (include UFMIP)

Modified &
Approved $
as follows:

Date Approval Expires
Interest Rate

Proposed Maturity
%

Yrs.

Mos

Monthly Payment
$

Amount of
Amount of Monthly
Up Front Premium Premium
$
$

Term of Monthly
Premium
months

Additional Conditions:
If this is proposed construction, the builder has certified compliance with HUD requirements on form HUD-92541.
If this is new construction, the lender certifies that the property is 100% complete (both on site and off site improvememts) and
the property meets HUD’s minimum property standards and local building codes.
Form HUD-92544, Builder’s Warranty is required.
The property has a 10-year warranty.
Owner-Occupancy Not required (item (b) of the Borrower’s Certificate does not apply).
The mortgage is a high loan-to-value ratio for non-occupant mortgagor in military.
Other: (specify)

This mortgage was rated as an "accept" or "approve" by FHA’s Total Mortgage Scorecard. As such, the undersigned representative of the mortgagee certifies to the
integrity of the data supplied by the lender used to determine the quality of the loan, that a Direct Endorsement Underwriter reviewed the appraisal (if applicable) and further
certifies that this mortgage is eligible for HUD mortgage insurance under the Direct Endorsement Program. I hereby make all certifications required for this mortgage as set
forth in HUD Handbook 4000.4
Mortgagee Representative
This mortgage was rated as a "refer" by FHA’s Total Mortgage Scorecard, and/or was manually underwritten by a Direct Endorsement under writer. As such, the
undersigned Direct Endorsement underwriter certifies that I have personally reviewed the appraisal report (if applicable), credit application, and all associated documents
and have used due diligence in underwriting this mortgage. I find that this mortgage is eligible for HUD mortgage insurance under the Direct Endorsement program and I
hereby make all certifications required for this mortgage as set forth in HUD Handbook 4000.4
Direct Endorsement Underwriter

DE’s CHUMS ID Number

The Mortgagee, its owners, officers, employees or directors
do
do not have a financial interest in or a
relationship, by affiliation or ownership, with the builder or seller involved in this transaction.

page 3

form HUD-92900-A (4/2007)

Borrower’s Certificate:
The undersigned certifies that:
(a) I will not have outstanding any other unpaid obligations contracted in connection with the mortgage transaction or the purchase of the said property except
obligations which are secured by property or collateral owned by me independently of the said mortgaged property, or obligations approved by the Commissioner;
(b) One of the undersigned intends to occupy the subject property, (note: this item does not apply if owner-occupancy is not required by the commitment);
(c) All charges and fees collected from me as shown in the settlement statement have been paid by my own funds, and no other charges have been or will be paid by
me in respect to this transaction;
(d) Neither I, nor anyone authorized to act for me, will refuse to sell or rent, after the making of a bona fide offer, or refuse to negotiate for the sale or rental of or
otherwise make unavailable or deny the dwelling or property covered by this loan to any person because of race, color, religion, sex, handicap,
familial status or national origin. I recognize that any restrictive covenant on this property relating to race, color, religion, sex, handicap, familial status or national origin
is illegal and void and any such covenant is hereby specifically disclaimed. I understand that civil action for preventative relief may be brought by the Attorney General
of the United States in any appropriate U.S. District Court against any person responsible for a violation of this certificate.

Borrower(s) Signature(s) & Date

Lender’s Certificate:
The undersigned certifies that to the best of its knowledge:
(a) The statements made in its application for insurance and in this Certificate are true and correct.
(b) The conditions listed above or appearing in any outstanding commitment issued under the above case number have been fulfilled;
(c) Complete disbursement of the loan has been made to the borrower, or to his/her creditors for his/her account and with his/her consent;
(d) The security instrument has been recorded and is a good and valid first lien on the property described;
(e) No charge has been made to or paid by the borrower except as permitted under HUD regulations;
(f) The copies of the credit and security instruments which are submitted herewith are true and exact copies as executed and filed for record;
(g) It has not paid any kickbacks, fee or consideration of any type, directly or indirectly, to any party in connection with this transaction
except as permitted under HUD regulations and administrative instructions.
I, the undersigned, as authorized representative of
mortgagee at this time of closing of this mortgage loan, certify that I have personally reviewed the mortgage loan documents, closing statements
application for insurance endorsement, and all accompanying documents. I hereby make all certifications required for this mortgage as set forth in
HUD Handbook 4000.4.
Lender’s Name

Note: If the approval is executed by an
agent in the name of lender, the agent
must enter the lender’s code number and
type.

Title of Lender’s Officer

Signature of Lender’s Officer

Date

Code Number (5 digits)

page 4

Type

form HUD-92900-A (4/2007)