Tap the gold microphone next to any field and just say your answer out loud — no typing needed.
Needed to complete the electronic application file. It stays on this device — it is never sent over the internet by this form.
Children or others you financially support (don't count yourself or a spouse).
A spouse, partner, or family member whose income and credit will also be considered.
They can speak their own answers too — just pass the phone and tap the gold mic.
This helps show you can comfortably afford the loan. Estimates are fine — you can update them later.
Bonuses, overtime, rental income, social security, etc.
Your savings and assets — this is where your down payment and closing costs come from.
401(k), IRA, stocks, mutual funds — a rough total is fine.
Money a family member is giving you toward the home.
Just the monthly payment for each — not the total balance. Skip anything that doesn't apply.
Child support, personal loans, other mortgages, etc.
Tell us about the home you're buying or refinancing.
If you haven't found a home yet, just type "TBD".
Every lender is required to ask these. Honest answers here won't automatically disqualify you — they just help complete the picture.
The federal government asks lenders to collect this information to help make sure everyone is treated fairly in home lending. Your answers cannot be used to decide your loan, and "I don't wish to answer" is always an option.
Tap "Edit" on any section to make changes before you submit.
Please check the box to confirm before submitting.
Nice work — that's the hard part done.
The 3.4 file is a MISMO v3.4 XML export designed to be imported into a loan origination system or Desktop Underwriter® workflow.
This plain-language application is modeled on the Uniform Residential Loan Application (Fannie Mae Form 1003 / Freddie Mac Form 65). Your answers stay on this device. When you submit, only your name, contact details, and a brief loan summary are sent to Abo Capital so a loan officer can follow up — your Social Security number, date of birth, and the government monitoring answers are never transmitted by this form and appear only in the file you choose to export and deliver yourself. Submitting is not a loan application decision and not a commitment to lend; all loans subject to underwriting approval.
Abo Capital · Steve Abo, Senior Loan Officer, CDLP®, NMLS #358799 · Company NMLS #1763084 · CA DRE #01167081 · FL MBR #MBR4882 · TX SML · Equal Housing Opportunity · (310) 312-1200
I’ll ask one question at a time, out loud. Just answer by speaking — or tap and type whenever you prefer. It takes about five minutes, and you can switch to the classic form at any point.
Fully hands-free: I read each question aloud and listen for your answer — you can even confirm by saying “yes.” Say “repeat,” “go back,” or “skip” anytime. Nothing you say leaves this device until you choose to submit.