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 UNIFORM RESIDENTIAL LOAN APPLICATION Independent Bank 2006

2006-2025 Form

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biggest change that we've got coming in 30 years is the new 1003 everybody in my office has been ragged on me for five years because i've been like yes uh this can be pros and cons for everybody involved i'm going to give you every reason why but more importantly um on the agent side why you need to get your consumer to the loan officer quicker and on the loan officer side why you need to step up your game because there will be quarks worked out all throughout the year and you may be a little bit more involved with the consumer right up front so first change um we are going from four pages to twelve and honestly we're going from four to nine however the four pages that we work on right now is only really two as far as a consumer the other two pages are pretty much ours so if you're looking at it it's going to look pretty frightening to the consumer that they're going to actually fill out nine pages of information but they aren&

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