SECURE MORTGAGE APPLICATION
LeaderOne Financial Corp. - Company NMLS# 12007 - Ryan Minick NMLS# 203249
Get Started
 
What is your first name? *

 
Okay {{answer_wNiJTVQFNxPJ}}, what would you like to do? *


 
Which scenario applies to you? *


 
Sorry {{answer_wNiJTVQFNxPJ}}, unfortunately we do not offer land loans at this time. Would you like me to connect you with a local lender that does? *

     
 
Sorry {{answer_wNiJTVQFNxPJ}}, unfortunately we do not offer business loans at this time. Would you like me to connect you with a local lender that does? *

     
 
Sorry {{answer_wNiJTVQFNxPJ}}, unfortunately we do not offer Home Equity Lines of Credit or Equity Loans at this time. Would you like us to connect you with a local lender that does? *

     
 
You should consider a free consultation with a credit specialist to determine what can be done to improve your credit. Would you like me to send you information regarding our preferred credit specialist? *

They offer a FREE credit consultation. If you decide to utilize their services, they don't charge anything during the first 30 days. They offer a variety of payment plans to accommodate different budgets.
     
 
I'm sorry we're not able to help you at this time. Please check back with me if your scenario changes, and thank you for choosing LeaderOne Financial!

 
Are you applying for a loan by yourself or with someone else? *


 
What is the first name of the joint applicant? *

 
Okay {{answer_wNiJTVQFNxPJ}}. I'll be asking questions for both you and {{answer_rQ3bHU9AlzZv}}, throughout the rest of this application. I'll be sure to address each of you by first name in each section.

 
How would you describe your credit {{answer_wNiJTVQFNxPJ}}?


 
{{answer_wNiJTVQFNxPJ}}, you indicated that you have Poor Credit (619 or Lower). What are the reasons your credit scores are so low?


 
{{answer_wNiJTVQFNxPJ}}, what concerns do you have with qualifying for a mortgage, if any? *


 
How would you describe your credit {{answer_rQ3bHU9AlzZv}}?


 
{{answer_rQ3bHU9AlzZv}}, you indicated that you have Poor Credit (619 or Lower). What are the reasons your credit scores are so low?


 
{{answer_rQ3bHU9AlzZv}}, what concerns do you have with qualifying for a mortgage, if any? *


 
What is the approximate sales price of a home you would consider buying? *


 
What type of mortgage program are you applying for? *


 
How much can you pay for a down payment? *

(Percentage of Sales Price)

 
Okay {{answer_wNiJTVQFNxPJ}}, I'm going to ask you some questions regarding your income.

(You do not have to disclose all sources of your income if you do not wish to have them considered for qualifying purposes.)
 
Do you have Full-Time Employment? *

     
 
How are you paid? *


 
What is your hourly rate of pay? *

 
How many hours do you work per week? *

 
What is your yearly salary? *

 
What is your "Year To Date" commission earnings?

 
How much did you earn in commissions last year?

 
How much did you earn in commissions two years ago?

 
Please explain how you get paid?

Also, how much have you made "year to date"?
 
What is the name of your current employer? *

 
What is your job title? *

 
When did you start working at {{answer_QqEBzKk4h0Ok}}? *

 
If you have not been on your current job for at least two (2) years, please list two (2) years worth of employment history.

(Please disclose all Employer Names, Job Titles, Approximate monthly income and start & end dates of employment. It's important we have a complete two (2) year work history.)
 
Do you have part-time employment? *

     
 
Have you had part-time employment at the same employer for at least two (2) years? *

     
 
How are you paid? *


 
What is your hourly rate of pay? *

 
How many hours do you work per week? *

 
What is your yearly salary? *

 
What is your "Year To Date" commission earnings? *

 
How much did you earn in commissions last year?

 
How much did you earn in commissions two years ago?

 
Please explain how you get paid?

Also, how much have you made "year to date"?
 
What is the name of your current employer? *

 
What is your job title? *

 
When did you start working at {{answer_xi71YncSbK1O}}? *

 
If you have not been on your current job for at least two (2) years, please list two (2) years worth of employment history.

(Please disclose all Employer Names, Job Titles, Approximate monthly income and start & end dates of employment. It's important we have a complete two (2) year work history.)
 
Do you receive a retirement income? *

     
 
How much do you receive each month in retirement Income?

 
Will it continue for at least 3 more years? *

     
 
Do you receive social security/disability Income? *

     
 
How much do you receive each month in social security/disability Income?

 
Is your social security/disability income for you or for a dependent child? *


 
Will it continue for at least 3 more years? *

     
 
What are the ages of your child/children receiving social security/disability income? *

 
Do you receive child support?

     
 
How much do you receive each month in child support? *

 
What are the ages of your child/children receiving child support? *

 
Do you receive alimony?

     
 
How much do you receive each month in alimony?

 
Will it continue for at least 3 more years? *

     
 
Okay {{answer_rQ3bHU9AlzZv}}, I'm going to ask you some questions regarding your income.

(You do not have to disclose all sources of your income if you do not wish to have them considered for qualifying purposes.)
 
Do you have Full-Time employment? *

     
 
How are you paid? *


 
What is your hourly rate of pay? *

 
How many hours do you work per week? *

 
What is your yearly salary? *

 
What is your "Year To Date" commission earnings? *

 
How much did you earn in commissions last year? *

 
How much did you earn in commissions two years ago? *

 
Please explain how you get paid?

Also, how much have you made "year to date"?
 
What is the name of your current employer? *

 
What is your job title? *

 
When did you start working at {{answer_pbayTaXRXKnh}}? *

 
If you have not been on your current job for at least two (2) years, please list two (2) years worth of employment history.

(Please disclose all Employer Names, Job Titles, Approximate monthly income and start & end dates of employment. It's important we have a complete two (2) year work history.)
 
Do you have part-time employment? *

     
 
Have you had part-time employment at the same employer for at least two (2) years? *

     
 
How are you paid? *


 
What is your hourly rate of pay? *

 
How many hours do you work per week? *

 
What is your yearly salary? *

 
What is your "Year To Date" commission earnings? *

 
How much did you earn in commissions last year? *

 
How much did you earn in commissions two years ago? *

 
Please explain how you get paid?

Also, how much have you made "year to date"?
 
What is the name of your current employer? *

 
What is your job title? *

 
When did you start working at {{answer_GtL2MhtgoZ9T}}? *

 
If you have not been on your current job for at least two (2) years, please list two (2) years worth of employment history. *

(Please disclose all Employer Names, Job Titles, Approximate monthly income and start & end dates of employment. It's important we have a complete two (2) year work history.)
 
Do you receive retirement income? *

     
 
How much do you receive each month in retirement income?

 
Will it continue for at least 3 more years? *

     
 
Do you receive social security/disability income? *

     
 
How much do you receive each month in social security/disability Income?

 
Is your social security/disability income for you or for a dependent child? *


 
Will it continue for at least 3 more years? *

     
 
What are the ages of your children receiving social security/disability income? *

 
Do you receive child support? *

     
 
How much do you receive each month in child support income?

 
What are the ages of your children that you receive child support income for? *

 
Do you receive alimony? *

     
 
How much do you receive each month in alimony?

 
Will it continue for at least 3 more years? *

     
 
Okay {{answer_wNiJTVQFNxPJ}}, you've completed the income section. Now I need to ask you questions regarding your assets.

 
Okay {{answer_wNiJTVQFNxPJ}} and {{answer_rQ3bHU9AlzZv}}, you've completed the income section. Now I need to ask you both questions regarding your assets.

 
{{answer_wNiJTVQFNxPJ}}, which of the following accounts would you like to include in this loan application?


 
What is your approximate balance in your checking account?

 
What is your approximate balance in your savings account?

 
What is your approximate balance in your retirement account?

 
What is your approximate balance in your CD account?

 
What is your stocks and bonds approximate balance?

 
Other: What type of account is this and what is your approximate balance?

 
{{answer_rQ3bHU9AlzZv}}, which of the following accounts would you like us to consider for this loan application?

(Must be separate accounts from {{answer_wNiJTVQFNxPJ}}, or an account that is not shared with {{answer_wNiJTVQFNxPJ}})

 
What is your approximate balance in your checking account?

 
What is your approximate balance in your savings account?

 
What is your approximate balance in your retirement account?

 
What is your approximate balance in your CD account?

 
What is your stocks and bonds approximate balance?

 
Other: What type of account is this and what is your approximate balance?

 
Okay {{answer_wNiJTVQFNxPJ}}, we've completed your assets. Now I need to ask you some legal questions.

(% of sales price)
 
Okay {{answer_wNiJTVQFNxPJ}} and {{answer_rQ3bHU9AlzZv}}, we've completed your assets. Now I need to ask you some legal questions.

(% of sales price)
 
{{answer_wNiJTVQFNxPJ}}, what is your last name? *

 
What is your middle initial? *

 
Current Street Address *

 
Current City *

 
Current State *

 
Current Zip Code *

 
Rent or Own *


 
What is your monthly rent? *

 
Years at this address? *

 
Is your mailing address different from current address? *

     
 
What is your mailing address? *

 
Previous Street Address *

If less than two (2) years at current address.
 
Previous City, State & Zip *

If less than two (2) years at current address.
 
What is your phone number? *

 
What is your social security number? *

or Tax ID #
 
What is your date of birth? *

 
Marital Status: *


 
Years of School: *

How many years of school did you attend? (High School, College, etc.)
 
# of Dependents: *

 
Dependent Age(s): *

 
Are you obligated (court ordered) to pay child support or alimony? *

     
 
What is your monthly child or alimony support obligation?

 
{{answer_rQ3bHU9AlzZv}}, what is your last name? *

 
What is your middle initial? *

 
Do you have the same current address as {{answer_wNiJTVQFNxPJ}}? *

     
 
Street Address (current) *

 
City (current) *

 
State (current) *

 
Zip Code (current) *

 
Rent or Own *


 
What is your monthly rent? *

 
Years at this address? *

 
Is your mailing address different from current address? *

     
 
What is your mailing address? *

 
Previous Street Address *

If less than two (2) years at current address.
 
Previous City, State & Zip *

If less than two (2) years at current address.
 
What is your phone #? *

 
What is your social security number? *

or Tax ID #
 
What is your birth date? *

 
Marital Status: *


 
Years of School: *

How many years did you attend school? (High School, College, etc.)
 
# of Dependents: *

 
Dependent Age(s): *

 
Are you obligated (court ordered) to pay child support or alimony? *

     
 
What is your monthly child support or alimony obligation?

 
Demographic Information for ({{answer_wNiJTVQFNxPJ}} {{answer_blQZ9fvhzim1}})

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "ethnicity" and one or more designations for "Race." The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname.The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
 
Ethnicity:


 
You selected "Other Hispanic or Latino", enter origin:

For example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.
 
Race: (1 of 5)


 
You selected "American Indian or Alaska Native"

Enter name of enrolled or principal tribe
 
Race: (2 of 5)


 
You selected "Other Asian", enter race:

For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
 
Race: (3 of 5)


 
Race: (4 of 5)


 
You selected "Other Pacific Islander", enter race:

For example: Fijian, Tongan, and so on.
 
Race: (5 of 5)


 
Sex:


 
Demographic Information for ({{answer_rQ3bHU9AlzZv}} {{answer_Z6WHB7kSmlf3}})

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "ethnicity" and one or more designations for "Race." The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname.The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
 
Ethnicity:


 
You selected "Other Hispanic or Latino", enter origin:

For example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.
 
Race: (1 of 5)


 
You selected "American Indian or Alaska Native"

Enter name of enrolled or principal tribe
 
Race: (2 of 5)


 
You selected "Other Asian", enter race:

For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.
 
Race: (3 of 5)


 
Race: (4 of 5)


 
You selected "Other Pacific Islander", enter race:

For example: Fijian, Tongan, and so on.
 
Race: (5 of 5)


 
Sex:


 
Declarations: {{answer_wNiJTVQFNxPJ}} {{answer_blQZ9fvhzim1}}

Please answer these questions as accurately as possible as they will have an impact on loan eligibility.
 
Are there any outstanding judgments against you? *

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

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

     
 
Are you party to a lawsuit? *

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

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

     
 
Is any part of the down payment borrowed? *

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

     
 
Are you a U.S. citizen? *

     
 
Are you a permanent resident alien? *

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

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

     
 
Declarations: {{answer_rQ3bHU9AlzZv}} {{answer_Z6WHB7kSmlf3}}

Please answer these questions as accurately as possible as they will have an impact on loan eligibility.
 
Are there any outstanding judgments against you? *

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

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

     
 
Are you party to a lawsuit? *

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

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

     
 
Is any part of the down payment borrowed? *

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

     
 
Are you a U.S. citizen? *

     
 
Are you a permanent resident alien? *

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

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

     
 
Congratulations! Just a few more questions and you're all finished!

 
Is there anything else we should know about your loan application?

 
How did you hear about us?

 
Are you working with a Real Estate Agent? *

     
 
Real Estate Agent Name

 
Real Estate Agent Office

 
Authorization to obtain your credit report: ({{answer_wNiJTVQFNxPJ}} {{answer_blQZ9fvhzim1}}) *

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.
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.
     
 
Authorization to obtain your credit report: ({{answer_rQ3bHU9AlzZv}} {{answer_Z6WHB7kSmlf3}}) *

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.
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.
     
 
Privacy Policy:({{answer_wNiJTVQFNxPJ}} {{answer_blQZ9fvhzim1}}) *

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.
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.
     
 
Privacy Policy:({{answer_rQ3bHU9AlzZv}} {{answer_Z6WHB7kSmlf3}}) *

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.
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.
     
 
Your Consent To Do Business Electronically - The eDisclosure Agreement ({{answer_wNiJTVQFNxPJ}} {{answer_blQZ9fvhzim1}}) *

The loan for which you are applying involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan to which such Loan Documents apply, and "We", "Our" and "Us" mean the applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting business for such loan(s).

YOUR CONSENT

Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which You are applying. If You provide Your consent by clicking the "I agree" button at the bottom of the page, We will conduct this transaction electronically, instead of providing You with the Loan Documents in paper form.
If a document related to Your loan is not available in electronic form, a paper copy will be provided to You free of charge.
Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to You.
If You do not consent to receive these Loan Documents electronically, You will be provided with copies of the Loan Documents in paper form. Additionally:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
WITHDRAWAL OF CONSENT

You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan Documents in paper form.
If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by clicking on the "I do not agree" button, or by notifying Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
If You originally consent to receive eDisclosures, but later withdraw Your consent:
You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents.
OBTAINING PAPER COPIES

After Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
If You request paper copies of the Loan Documents:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
SYSTEM REQUIREMENTS

In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.
If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.
HOW WE CAN REACH YOU

You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.
Please click the "I agree" button at the bottom of the page to consent to do business electronically and to view Loan Documents electronically.
The loan for which you are applying involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan to which such Loan Documents apply, and "We", "Our" and "Us" mean the applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting business for such loan(s).

YOUR CONSENT

Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which You are applying. If You provide Your consent by clicking the "I agree" button at the bottom of the page, We will conduct this transaction electronically, instead of providing You with the Loan Documents in paper form.
If a document related to Your loan is not available in electronic form, a paper copy will be provided to You free of charge.
Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to You.
If You do not consent to receive these Loan Documents electronically, You will be provided with copies of the Loan Documents in paper form. Additionally:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
WITHDRAWAL OF CONSENT

You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan Documents in paper form.
If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by clicking on the "I do not agree" button, or by notifying Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
If You originally consent to receive eDisclosures, but later withdraw Your consent:
You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents.
OBTAINING PAPER COPIES

After Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
If You request paper copies of the Loan Documents:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
SYSTEM REQUIREMENTS

In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.
If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.
HOW WE CAN REACH YOU

You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.
Please click the "I agree" button at the bottom of the page to consent to do business electronically and to view Loan Documents electronically.
     
 
Your Consent To Do Business Electronically - The eDisclosure Agreement ({{answer_rQ3bHU9AlzZv}} {{answer_Z6WHB7kSmlf3}} ) *

The loan for which you are applying involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan to which such Loan Documents apply, and "We", "Our" and "Us" mean the applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting business for such loan(s).

YOUR CONSENT

Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which You are applying. If You provide Your consent by clicking the "I agree" button at the bottom of the page, We will conduct this transaction electronically, instead of providing You with the Loan Documents in paper form.
If a document related to Your loan is not available in electronic form, a paper copy will be provided to You free of charge.
Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to You.
If You do not consent to receive these Loan Documents electronically, You will be provided with copies of the Loan Documents in paper form. Additionally:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
WITHDRAWAL OF CONSENT

You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan Documents in paper form.
If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by clicking on the "I do not agree" button, or by notifying Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
If You originally consent to receive eDisclosures, but later withdraw Your consent:
You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents.
OBTAINING PAPER COPIES

After Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
If You request paper copies of the Loan Documents:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
SYSTEM REQUIREMENTS

In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.
If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.
HOW WE CAN REACH YOU

You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.
Please click the "I agree" button at the bottom of the page to consent to do business electronically and to view Loan Documents electronically.
The loan for which you are applying involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan to which such Loan Documents apply, and "We", "Our" and "Us" mean the applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting business for such loan(s).

YOUR CONSENT

Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which You are applying. If You provide Your consent by clicking the "I agree" button at the bottom of the page, We will conduct this transaction electronically, instead of providing You with the Loan Documents in paper form.
If a document related to Your loan is not available in electronic form, a paper copy will be provided to You free of charge.
Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to You.
If You do not consent to receive these Loan Documents electronically, You will be provided with copies of the Loan Documents in paper form. Additionally:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
WITHDRAWAL OF CONSENT

You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan Documents in paper form.
If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by clicking on the "I do not agree" button, or by notifying Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
If You originally consent to receive eDisclosures, but later withdraw Your consent:
You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents.
OBTAINING PAPER COPIES

After Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
If You request paper copies of the Loan Documents:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
SYSTEM REQUIREMENTS

In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.
If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.
HOW WE CAN REACH YOU

You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at:
Phone: 913-747-4000
Address: 7500 College Blvd., Suite 1150,Overland Park,KS 66210
We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.
Please click the "I agree" button at the bottom of the page to consent to do business electronically and to view Loan Documents electronically.
     
Thank you for completing a loan application with me. I will be in touch to discuss your options shortly. Please check your email for additional instructions and contact information.
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