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Smart Start Investing, LLC
P.O. Box 1196
Denville, NJ 07834


Thank you for considering to get Pre-Approved. You have the option of completing the form below or downloading a PDF version of the application form.

  • DOWNLOADABLE APPLICATION FORM
    Please fax the completed application to 1-646-365-3004 if you decide to download the form instead of completing it online.

Online Application Form
* Denotes a required field.
Borrower Information  
First Name* - MI
 Last Name*
Social Security Number*
 Marital Status*
Home Phone Number*
Email Address*
Age*
 Years of School*
Date of Birth - MM/DD/YYYY*
Property Use*

Co-Borrower Information

  
I have a Co-Borrower
 
First Name - MI
 Last Name
Social Security Number
 Marital Status
Home Phone Number
 Email Address
Age
 Years of School
Date of Birth - MM/DD/YYYY
 
Co-Borrower Address Information
Use this address for co-borrower 
Current Address:
City, State Zip Code:
   
Years at address:
Months at address:
Do you Own, Rent or Live Rent Free:
Only required if you have been at your current residence less than 2 years
Mailing Address:
City, State Zip Code:
   
Country:
Years at address:
Months at address:
Do you Own, Rent or Live Rent Free:
Employment Information
  Check here if you are retired or do not draw income
Current Employer:
Employer's Address:
City State, Zip Code:
   
Position or Title:
Work Phone Number:
Time with employer (Years/Months):
Years in this line of work (Years/Months):
Are you self employed (Yes or No):
Only required if you have been with your current employer for less than two years.
  Current Employer    Previous Employer
Employer's Name:
Employer's Address:
City State, Zip Code:
   
Work Phone Number:
Your position:
Monthly Income:
Date employed from: (mm/dd/yyyy)
Date employed to: (mm/dd/yyyy)
Are you self employed:
Income Information
Monthly Base Income before Taxes:*
$
Average monthly Overtime before taxes:
$
Average monthly Bonuses before Taxes:
$
Average monthly Commissions before Taxes:
$
Average monthly dividend/interest income before Taxes:
$
Other monthly income:
$
Description of Other monthly income:
Borrower Declarations
    YES NO
1 Are there any judgments existing against you?*
2 Have you declared bankruptcy in the past 7 years?*
3 Have you had a property foreclosed upon or given a deed in lieu of foreclosure in the past 7 years?*
4 Are you party to a lawsuit?*
5 Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu or foreclosure of judgment?*
(This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgages, financial obligation, bond, or loan guarantees.)
6 Are you presently delinquent on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?*
7 Are you obligated to pay alimony, child support, or separate maintenance?*
8 Is or will any part of the down payment borrowed?*
9 Are you a co-maker or endorser on any other person's obligation(s)?*
(This question does not apply to your spouse if he/she is to be a co-borrower on the subject transaction)
10 Do you intend to occupy this subject property as your primary residence?*
11 If yes, have you had an ownership interest in a property in the past 3 years?
12 If yes, what type of property did you own?
13 How is the title held on your previous property?*
14 What is your citizenship?*
Additional Comments
 
Borrower & Co-Borrower Acknowledgement
The undersigned specifically acknowledge(s) and agree(s) that:
(1) The loan requested by this application will be secured by a first mortgage or deed of trust on the property described herein;
(2) the property will not be used for any illegal or prohibited purpose or use;
(3) all statements made in this application are made for the purpose of obtaining the loan indicated herein;
(4) occupation of the property will be as indicated above;
(5) verification or re-verification of any information contained in the application may be made at any time by the lender, its agents, successors and assigns, either directly or through a credit reporting agent, from any source named in this application, and the original copy of this application will be retained by the lender, even if the loan is not approved;
(6) the lender, its agents, successors and assigns will rely on the information contained in the application and I/we have a continuing obligation to amend and/or supplement the information provided in this application if any of the material facts which I/we have represented herein should change prior to closing;
(7) in the event my/our payments on the loan indicated in this application become delinquent, the lender, its agents, successors and assigns, may, in addition to all their other rights and remedies, report my/our name(s) and account information to a credit reporting agency;
(8) ownership of the loan may be transferred to any successor or assign of the lender without notice to me and/or the administration of the loan account may be transferred to an agent, successor or assign of the lender with prior notice to me;
(9) the lender, its agents, successors and assigns make no representations or warranties, expressed or implied, to the borrower(s) regarding the property, the condition of the property, or the value of the property.

I/We have the right to a copy of the appraisal report used in connection with this application for credit. To obtain a copy, I/We must send Lender a written request at the mailing address Lender has provided. Lender must hear from me/us no later than 90 days after Lender notifies me/us about the action taken on this application, or I/We withdraw this application.

I/we certify that the information provided in this application is true and correct as of the date set forth opposite my/our signature(s) on this application and acknowledge my/our understanding that my intentional or negligent misrepresentation(s) of the information contained in this application may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of title 18, United States Code, Section 1001, et seq. and liability for monetary damages to the lender, its agents, successors and assigns, insurers and any other person who may suffer any loss due to the reliance upon any misrepresentation which I/we have made on this application.
Borrower Acknowledgement* Co-Borrower Acknowledgement

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