Loan App 2008
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CREDIT APPLICATION This is not a contract for a loan nor does it lock you into any commitment with a contractor. This is an application that will allow us to proceed with your request for a loan to finance your improvement(s). This will include reviewing your credit history.
Please complete all information requested. Incomplete applications will be returned to you for completion. Only new projects not yet started are eligible for financing. Please submit a copy of the AUSTIN ENERGY approved Home Energy Loan Program Bid Summary and, if necessary, proof of income (as determined from your pre-approval) with this completed application to your selected AUSTIN ENERGY participating company, or mail/fax to: Austin Energy, c/o Velocity Credit Union, P.O. BOX 1089, Austin, Tx 78767-1089 512-469-7060 (lending), 1-800-933-2029 (toll free), 512-225-9205 (fax)
SECTION A - INDIVIDUAL APPLICANT INFORMATION Mr/Mrs/Ms
Last Name
Birth Date
Home Phone
First Name
Social Security Number
Marital Status
Do You Currently
Own
Years at Current Address
Unit #
Do or Will you own and reside at the above installation address?
Rent
UnMarried (single, divorced, widowed)
City
State
Single Family
$
Condo
Duplex
Zip Mo. Mortgage Payment (including taxes)
Dwelling Type (Multi (3 units +) does not qualify)
No
Yes
Jr/Sr/I/II
(only for residents of: AZ, CA, ID, LA, NV, NM, TX, WA, WI)
Separated
Married
Installation Address (where home improvements are to be made)
MI
Current Address (if different than the above Installation Address)
City
State
Zip
Mailing Address (if different than the above Current Address)
City
State
Zip
Employer Name / Company
Business Phone
Ext
Employer's Address
Position or Title
City
Monthly Gross Salary
$ Sources of Other Income
Monthly Gross Salary
Are you Self-Employed?
Circle One Below
FullTime
PartTime
How Long Employed?
Zip
How Long Self-Employed?
No
Yes
Both
Date of Purchase
Purchase Price of Home
$
$
State
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
Alimony, child support, separate maintenance received under:
Oral Understanding
Written Agreement
Court Order
SECTION B - JOINT APPLICANT Complete only for joint credit. (A joint application requires the signatures of both applicants on the reverse side of this form.) Mr/Mrs/Ms
Last Name
Birth Date
Home Phone
First Name
Social Security Number
Marital Status
Married Current Address (if different than the above Installation Address) Do You Currently
Own
Years at Current Address
Business Phone
State
Zip
Do or Will you own and reside at the above installation address?
Employer's Address Position or Title
No City
Monthly Gross Salary
$ Sources of Other Income
UnMarried (single, divorced, widowed)
Separated
Yes
Ext
Jr/Sr/I/II
(only for residents of: AZ, CA, ID, LA, NV, NM, TX, WA, WI)
City
Rent
Employer Name / Company
MI
State
Circle One Below FullTime
PartTime
Zip
Are you Self-Employed?
Both
Yes
How Long Employed? How Long Self-Employed?
No
Monthly Gross Salary
$ Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
Alimony, child support, separate maintenance received under:
Court Order
Written Agreement
Oral Understanding
SECTION C - UTILITY INFORMATION %LECTRIC 5TILITY #O
%LECTRIC !CCOUNT .O
AUSTIN ENERGY
7ATER (EATING &UEL 4YPE CIRCLE ONE Natural Gas
Electric
LP
Oil
3PACE (EATING &UEL 4YPE CIRCLE ONE
Other
Natural Gas
Electric
LP
Oil
Other
SECTION D - LOAN TERM DESIRED Select Desired Loan Option: Option 1 For Home Energy Improvements and Central Air Systems Option 1*: For Home Energy Improvements, Duct SystemLoan Performance HVAC$9,500 System Maximum Maximum Amount = Improvements $7,000 for Singleand Family; forReplacement. Duplexes. Loan Amount - $8,500 for Single Family; $11,000 for 2 HVAC Replacement, Window Unit to Central AC Conversion or Duplexes. Home Home Improvement Loan Minimum is $1,500 Improvement Loan Minimum is $1,500.
36 months @ 0% APR Personal Loan Minimum is $500. 36 months @ 2.0% APR
3 Years @ 0% APR
5 Years @ 0% APR
7 Years @ 2.9% APR
10 Years @ 4.5% APR
60 months @ 0% APR
84 months @ 3.5% APR
120 months @ 3.5% APR
Personal@Loan Minimum 60 months 4.5% APR is $500. 3 Years @ 2.0% APR
5 Years @ 4.5% APR
Option 2*: For Residential Optional Measures, which include HVAC System Replacement & Duct System Performance Testing; or Duct System Performance Improvement & Testing; orOption Radiant 2 Barrier-qualifi products only; or Attic Insulationfrom – upWindow to R-38;to orCentral Low-E Systems For Home ed Energy Improvements, Conversions Note: Two percent will .40 shadingand Windows – Energy Starinterest labeled with coeffi orwith better. Loansystems. Amount -Maximum $11,000.Loan Home Improvement Loan forcient homes two Maximum air conditioning Amount = $9,500. be addedisto the interest rates Minimum $1,500. Home Improvement Loan Minimum is $1,500 quoted here if the credit score is 639 or below.
36 months @ 1.9% APR Personal Loan Minimum is $500. 36 months @ 4.5% APR
3 Years @ 1.5% APR
5 Years @ 2.9% APR
7 Years @ 5.0% APR
10 Years @ 6.5% APR
60 months @ 1.9% APR
84 months @ 5.0% APR
Personal 60 months @Loan 6.5%Minimum APR is $500. 3 Years @ 4.5% APR
120 months @ 5.0% APR
5 Years @ 6.5% APR
Solar System Market Rate Loan (Call for current rates). Maximum Loan Amount = $20,000. Solar System Market Rate Loan (Call Velocity for current market rates).
*Note: Two percent interest will be added to all rates if the credit score is 639 or below Maximum Loan Amount = $20,000
SECTION E - ASSET AND DEBT INFORMATION (If Section B has been completed, include information about both the Applicant and Joint Applicant) QUESTIONNAIRE
!TTACH !DDITIONAL 3HEET IF NEEDED
!RE YOU OBLIGATED TO MAKE !LIMONY 3UPPORT OR -AINTENANCE 0AYMENTS Yes No !RE YOU A CO MAKER ENDORSER OR GUARANTOR ON ANY LOAN OR CONTRACT Yes No
)F YES TO WHOM .AME!DDRESS )F YES FOR WHOM
!MOUNT PER -ONTH
$
4O WHOM
!MOUNT PER -ONTH
$
!RE THERE ANY UNSATISFIED JUDGEMENTS AGAINST YOU No Yes
)F YES TO WHOM OWED
4OTAL !MOUNT /WED
(AVE YOU DECLARED BANKRUPTCY IN THE LAST YEARS
)F YES WHAT CITYSTATE
9EAR
Yes
$
No
INFORMATION FOR GOVERNMENT MONITORING PURPOSES 4HE FOLLOWING INFORMATION IS REQUESTED BY THE &EDERAL 'OVERNMENT FOR CERTAIN TYPES OF LOANS RELATED TO A DWELLING IN ORDER TO MONITOR THE LENDERS COMPLIANCE WITH EQUAL CREDIT OPPORTUNITY FAIR HOUSING AND HOME MORTGAGE DISCLOSURE LAWS 9OU ARE NOT REQUIRED TO FURNISH THIS INFORMATION BUT ARE ENCOURAGED TO DO SO 4HE LAW PROVIDES THAT A LENDER MAY DISCRIMINATE NEITHER ON THE BASIS OF THIS INFORMATION NOR ON WHETHER YOU CHOOSE TO FURNISH IT &OR RACE YOU MAY CHECK MORE THAN ONE DESIGNATION )F YOU DO NOT FURNISH ETHNICITY RACE OR SEX UNDER &EDERAL REGULATIONS THIS LENDER IS REQUIRED TO NOTE THE INFORMATION ON THE BASIS OF VISUAL OBSERVATION OR SURNAME )F YOU DO NOT WISH TO FURNISH THE iNFORMATION PLEASE CHECK THE BOX BELOW 9OU DO NOT WISH TO FURNISH THIS INFORMATION
!PPLICANT
#O !PPLICANT
(ISPANIC OR ,ATINO .OT (ISPANIC OR ,ATINO !SIAN !MERICAN )NDIAN OR !LASKA .ATIVE "LACK OR !FRICAN !MERICAN 7HITE .ATIVE (AWAIIAN OR /THER 0ACIFIC )SLANDER 3EX &EMALE -ALE
%THNICITY 2ACE
%THNICITY 2ACE
3EX
9OU DO NOT WISH TO FURNISH THIS INFORMATION (ISPANIC OR ,ATINO .OT (ISPANIC OR ,ATINO !SIAN !MERICAN )NDIAN OR !LASKA .ATIVE "LACK OR !FRICAN !MERICAN 7HITE .ATIVE (AWAIIAN OR /THER 0ACIFIC )SLANDER &EMALE -ALE
SIGNATURES By signing below, I acknowledge that I have made this application with the intent that you or any agent (including any affiliate) of yours should rely on the information it contains in granting the credit requested. I understand that if credit is granted to me, you (or your affiliate) may report information concerning my credit and payment record to consumer reporting agencies and others. I authorize you to utilize the service of any agent or affiliate in connection with processing this application and extending credit. I affirm that the information is true and I authorize you (or your affiliate) to verify and investigate the information I have provided you. I authorize you (or your affiliate) to accept my fascimile signature on this application and agree that it will have the same legal effect as my original signature. I understand that the federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of sex or marital status.
Applicant Signature
Date
Joint Applicant Signature
Joint applications require the signatures of both applicants.
Date
Please complete all information requested. Incomplete applications will be returned to you for completion. Only new projects not yet started are eligible for financing. Please submit a copy of the AUSTIN ENERGY approved Home Energy Loan Program Bid Summary and, if necessary, proof of income (as determined from your pre-approval) with this completed application to your selected AUSTIN ENERGY participating company, or mail/fax to: Austin Energy, c/o Velocity Credit Union, P.O. BOX 1089, Austin, Tx 78767-1089 512-469-7060 (lending), 1-800-933-2029 (toll free), 512-225-9205 (fax)
SECTION A - INDIVIDUAL APPLICANT INFORMATION Mr/Mrs/Ms
Last Name
Birth Date
Home Phone
First Name
Social Security Number
Marital Status
Do You Currently
Own
Years at Current Address
Unit #
Do or Will you own and reside at the above installation address?
Rent
UnMarried (single, divorced, widowed)
City
State
Single Family
$
Condo
Duplex
Zip Mo. Mortgage Payment (including taxes)
Dwelling Type (Multi (3 units +) does not qualify)
No
Yes
Jr/Sr/I/II
(only for residents of: AZ, CA, ID, LA, NV, NM, TX, WA, WI)
Separated
Married
Installation Address (where home improvements are to be made)
MI
Current Address (if different than the above Installation Address)
City
State
Zip
Mailing Address (if different than the above Current Address)
City
State
Zip
Employer Name / Company
Business Phone
Ext
Employer's Address
Position or Title
City
Monthly Gross Salary
$ Sources of Other Income
Monthly Gross Salary
Are you Self-Employed?
Circle One Below
FullTime
PartTime
How Long Employed?
Zip
How Long Self-Employed?
No
Yes
Both
Date of Purchase
Purchase Price of Home
$
$
State
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
Alimony, child support, separate maintenance received under:
Oral Understanding
Written Agreement
Court Order
SECTION B - JOINT APPLICANT Complete only for joint credit. (A joint application requires the signatures of both applicants on the reverse side of this form.) Mr/Mrs/Ms
Last Name
Birth Date
Home Phone
First Name
Social Security Number
Marital Status
Married Current Address (if different than the above Installation Address) Do You Currently
Own
Years at Current Address
Business Phone
State
Zip
Do or Will you own and reside at the above installation address?
Employer's Address Position or Title
No City
Monthly Gross Salary
$ Sources of Other Income
UnMarried (single, divorced, widowed)
Separated
Yes
Ext
Jr/Sr/I/II
(only for residents of: AZ, CA, ID, LA, NV, NM, TX, WA, WI)
City
Rent
Employer Name / Company
MI
State
Circle One Below FullTime
PartTime
Zip
Are you Self-Employed?
Both
Yes
How Long Employed? How Long Self-Employed?
No
Monthly Gross Salary
$ Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.
Alimony, child support, separate maintenance received under:
Court Order
Written Agreement
Oral Understanding
SECTION C - UTILITY INFORMATION %LECTRIC 5TILITY #O
%LECTRIC !CCOUNT .O
AUSTIN ENERGY
7ATER (EATING &UEL 4YPE CIRCLE ONE Natural Gas
Electric
LP
Oil
3PACE (EATING &UEL 4YPE CIRCLE ONE
Other
Natural Gas
Electric
LP
Oil
Other
SECTION D - LOAN TERM DESIRED Select Desired Loan Option: Option 1 For Home Energy Improvements and Central Air Systems Option 1*: For Home Energy Improvements, Duct SystemLoan Performance HVAC$9,500 System Maximum Maximum Amount = Improvements $7,000 for Singleand Family; forReplacement. Duplexes. Loan Amount - $8,500 for Single Family; $11,000 for 2 HVAC Replacement, Window Unit to Central AC Conversion or Duplexes. Home Home Improvement Loan Minimum is $1,500 Improvement Loan Minimum is $1,500.
36 months @ 0% APR Personal Loan Minimum is $500. 36 months @ 2.0% APR
3 Years @ 0% APR
5 Years @ 0% APR
7 Years @ 2.9% APR
10 Years @ 4.5% APR
60 months @ 0% APR
84 months @ 3.5% APR
120 months @ 3.5% APR
Personal@Loan Minimum 60 months 4.5% APR is $500. 3 Years @ 2.0% APR
5 Years @ 4.5% APR
Option 2*: For Residential Optional Measures, which include HVAC System Replacement & Duct System Performance Testing; or Duct System Performance Improvement & Testing; orOption Radiant 2 Barrier-qualifi products only; or Attic Insulationfrom – upWindow to R-38;to orCentral Low-E Systems For Home ed Energy Improvements, Conversions Note: Two percent will .40 shadingand Windows – Energy Starinterest labeled with coeffi orwith better. Loansystems. Amount -Maximum $11,000.Loan Home Improvement Loan forcient homes two Maximum air conditioning Amount = $9,500. be addedisto the interest rates Minimum $1,500. Home Improvement Loan Minimum is $1,500 quoted here if the credit score is 639 or below.
36 months @ 1.9% APR Personal Loan Minimum is $500. 36 months @ 4.5% APR
3 Years @ 1.5% APR
5 Years @ 2.9% APR
7 Years @ 5.0% APR
10 Years @ 6.5% APR
60 months @ 1.9% APR
84 months @ 5.0% APR
Personal 60 months @Loan 6.5%Minimum APR is $500. 3 Years @ 4.5% APR
120 months @ 5.0% APR
5 Years @ 6.5% APR
Solar System Market Rate Loan (Call for current rates). Maximum Loan Amount = $20,000. Solar System Market Rate Loan (Call Velocity for current market rates).
*Note: Two percent interest will be added to all rates if the credit score is 639 or below Maximum Loan Amount = $20,000
SECTION E - ASSET AND DEBT INFORMATION (If Section B has been completed, include information about both the Applicant and Joint Applicant) QUESTIONNAIRE
!TTACH !DDITIONAL 3HEET IF NEEDED
!RE YOU OBLIGATED TO MAKE !LIMONY 3UPPORT OR -AINTENANCE 0AYMENTS Yes No !RE YOU A CO MAKER ENDORSER OR GUARANTOR ON ANY LOAN OR CONTRACT Yes No
)F YES TO WHOM .AME!DDRESS )F YES FOR WHOM
!MOUNT PER -ONTH
$
4O WHOM
!MOUNT PER -ONTH
$
!RE THERE ANY UNSATISFIED JUDGEMENTS AGAINST YOU No Yes
)F YES TO WHOM OWED
4OTAL !MOUNT /WED
(AVE YOU DECLARED BANKRUPTCY IN THE LAST YEARS
)F YES WHAT CITYSTATE
9EAR
Yes
$
No
INFORMATION FOR GOVERNMENT MONITORING PURPOSES 4HE FOLLOWING INFORMATION IS REQUESTED BY THE &EDERAL 'OVERNMENT FOR CERTAIN TYPES OF LOANS RELATED TO A DWELLING IN ORDER TO MONITOR THE LENDERS COMPLIANCE WITH EQUAL CREDIT OPPORTUNITY FAIR HOUSING AND HOME MORTGAGE DISCLOSURE LAWS 9OU ARE NOT REQUIRED TO FURNISH THIS INFORMATION BUT ARE ENCOURAGED TO DO SO 4HE LAW PROVIDES THAT A LENDER MAY DISCRIMINATE NEITHER ON THE BASIS OF THIS INFORMATION NOR ON WHETHER YOU CHOOSE TO FURNISH IT &OR RACE YOU MAY CHECK MORE THAN ONE DESIGNATION )F YOU DO NOT FURNISH ETHNICITY RACE OR SEX UNDER &EDERAL REGULATIONS THIS LENDER IS REQUIRED TO NOTE THE INFORMATION ON THE BASIS OF VISUAL OBSERVATION OR SURNAME )F YOU DO NOT WISH TO FURNISH THE iNFORMATION PLEASE CHECK THE BOX BELOW 9OU DO NOT WISH TO FURNISH THIS INFORMATION
!PPLICANT
#O !PPLICANT
(ISPANIC OR ,ATINO .OT (ISPANIC OR ,ATINO !SIAN !MERICAN )NDIAN OR !LASKA .ATIVE "LACK OR !FRICAN !MERICAN 7HITE .ATIVE (AWAIIAN OR /THER 0ACIFIC )SLANDER 3EX &EMALE -ALE
%THNICITY 2ACE
%THNICITY 2ACE
3EX
9OU DO NOT WISH TO FURNISH THIS INFORMATION (ISPANIC OR ,ATINO .OT (ISPANIC OR ,ATINO !SIAN !MERICAN )NDIAN OR !LASKA .ATIVE "LACK OR !FRICAN !MERICAN 7HITE .ATIVE (AWAIIAN OR /THER 0ACIFIC )SLANDER &EMALE -ALE
SIGNATURES By signing below, I acknowledge that I have made this application with the intent that you or any agent (including any affiliate) of yours should rely on the information it contains in granting the credit requested. I understand that if credit is granted to me, you (or your affiliate) may report information concerning my credit and payment record to consumer reporting agencies and others. I authorize you to utilize the service of any agent or affiliate in connection with processing this application and extending credit. I affirm that the information is true and I authorize you (or your affiliate) to verify and investigate the information I have provided you. I authorize you (or your affiliate) to accept my fascimile signature on this application and agree that it will have the same legal effect as my original signature. I understand that the federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of sex or marital status.
Applicant Signature
Date
Joint Applicant Signature
Joint applications require the signatures of both applicants.
Date
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