Full Loan Application · Justin Bermingham

Step 1 · E-consent

Before we start

By continuing, you agree to e-sign this application electronically under the E-SIGN Act + consent to TCPA communications from Justin Bermingham / E Mortgage Capital.

I agree to e-sign + TCPA consent. I understand this is a full loan application, not a pre-qualification.

Step 2 · Identity

Who are you?

Legal name + basic identity. We pass this securely to our loan system. We never store your SSN on this server.

Full legal name

Date of birth

SSN

Citizenship

Marital status

Step 3 · Contact

How do we reach you?

Primary phone

Email

Preferred contact method + best time

Step 4 · Current residence

Where do you live?

Street address

Rent or own?

Monthly payment

Years at this address

If < 2 years, we'll ask about your prior residence next.

Step 5 · Current employment

Where do you work?

Employer name

Job title

Start date

Gross monthly income

W2 or 1099?

Step 6 · Other income (optional)

Anything else we should count?

Bonus, commission, rental, SS, pension, child support. Only if regular + documentable.

Bonus / commission (monthly)

Rental income (monthly)

Other (describe + amount)

Step 7 · Assets

What do you own?

Checking + savings total

Retirement accounts (401k, IRA)

Gift funds + source

Step 8 · Liabilities

What do you owe?

We'll pull credit to verify — but your summary here helps us prepare.

Auto loans (total balance + monthly)

Credit cards (total minimums/mo)

Student loans (total + monthly)

Other debts

Step 9 · The loan

What's the deal?

Loan purpose

Subject property address

Property type

Occupancy

Purchase price / value

Desired loan amount

Loan program preference

Step 10 · Co-borrower

Adding a co-borrower?

A spouse or partner also on the loan? We'll collect their info too.

Yes, add a co-borrower (we'll loop through Steps 2-9 for them) No, just me

Step 11 · Declarations

A few required yes/no questions

Fannie + Freddie require these. Be honest — lying on a loan app is a federal crime.

Any outstanding judgments against you?

Bankruptcy in the last 7 years?

Property foreclosed or deed-in-lieu in last 7 years?

Party to any lawsuit?

Any delinquent federal debt?

Down payment borrowed?

Full list of declarations (15) is in the live submit — this is a sampling for UI review.

Step 12 · HMDA demographics (optional by law)

Government monitoring info

Federal law requires lenders to ask about ethnicity, race, and sex to monitor fair-housing compliance. Answering is optional — skip anything you'd rather not share.

Ethnicity

Race

Sex

Step 13 · Review + e-sign

Final review

After submit, we create your BeapBeap account, email you a temp password, and Justin picks up the file within hours.