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Fill out Fannie Mae Form 1003 — the universal mortgage application — in plain language. Takes 10 minutes. Bring it to any lender. No obligation.

✅ 12,000+ homeowners helped 📄 Fill once, use anywhere 🔒 No credit pull to start ⚡ 10-minute application
📋

Fill once, shop everywhere. Form 1003 is the nationwide standard — accepted at every US lender. Complete it here, bring it to multiple lenders to compare rates. You own your application.  ·  ← Back to calculator

✦ Before You Apply

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Step 1 of 8 — Loan Purpose 12%
1. Loan 2. Property 3. Borrower 4. Housing 5. Employment 6. Finances 7. Declarations 8. Submit
1
What are you applying for?
Tell us about your loan — this shapes everything else in the application.
🏡
Purchase
Buying a home
🔄
Refinance
Replacing an existing mortgage
💵
Cash-Out Refi
Refinance & take cash out
🏗️
Construction
Building a new home
🏠
Single-Family
🏢
Condo
🏘️
Multi-Family
🚐
Manufactured
🛖
Primary Home
You'll live here
🏖️
Second Home
Vacation / seasonal
📈
Investment
Rental / investment
2
Loan details & property address
Tell us about the property and the financing you're seeking.
$
$
📍 Property Address
$
3
About you (the borrower)
Personal details for Section I of Form 1003.
4
Where do you live now?
Your current housing situation and address.
🏠
Own
🔑
Rent
🤝
Rent-Free
With family, etc.
5
Employment & income
Your current job and earnings — lenders use this to determine affordability.
$
$
6
Assets & monthly debts
Round numbers are fine. This helps lenders calculate your debt-to-income ratio.
💰 Assets (what you have)
$
$
$
📊 Monthly Debt Payments (what you owe each month)
$
$
$
$
7
Declarations
These are standard yes/no questions required on every mortgage application (Section X of Form 1003). Answer honestly.
A. Are there any outstanding judgments against you?
B. Have you been declared bankrupt within the past 7 years?
C. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?
D. Are you a party to a lawsuit?
E. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment?
F. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee?
G. Are you obligated to pay alimony, child support, or separate maintenance?
H. Is any part of the down payment borrowed?
I. Are you a co-maker or endorser on a note?
J. Are you a U.S. citizen? (Your answer here supersedes Section 3 if different)
K. Are you a permanent resident alien?
L. Do you intend to occupy this property as your primary residence? (If yes, have you had an ownership interest in another property in the last 3 years?)
8
Almost done — your contact details
We'll send your completed application package here. A licensed loan officer may follow up to help you finalize.

📋 Application Summary

Please enter a valid email address.
Please enter a valid phone number.
Consent to Contact & Data Sharing
By submitting this form, I authorize PermitScope and its mortgage lender partners to:
  • Share my information — My name, phone number, email, and address may be shared with mortgage lenders, brokers, lead aggregators (including LendingTree, Zillow, Bankrate, and their affiliates), and other mortgage-related service providers for rate quotes and loan offers.
  • Call & text me — I authorize contact using automatic telephone dialing systems (ATDS), pre-recorded or artificial voice messages, and text messages (SMS/MMS) to the phone number I provided above.
  • Multiple contacts — I may receive multiple calls and texts from different mortgage lenders. Message and data rates may apply.
Revoke anytime: Reply STOP to any text message, or email privacy@freepermitapp.com. Consent is not required to receive services. Privacy Policy.
You must agree to the consent terms to submit your application.
✅

Your application is ready!

Your completed Uniform Residential Loan Application (Form 1003) has been prepared. Download it below or print it for your lender.

Opens a print-ready version of your completed Form 1003. Use your browser's "Save as PDF" option to save the file.

🎉 Next Steps — You're in Control
  1. Download and save your completed Form 1003 package
  2. Gather supporting docs: W-2s, pay stubs, bank statements, 2 years tax returns
  3. Bring it to multiple lenders — Form 1003 is the nationwide standard, accepted everywhere
  4. Compare rates and terms side by side before committing to any lender
  5. Order a home inspection and appraisal once under contract
📋
Fill Once, Shop Everywhere

This Form 1003 is the universal standard — every US lender uses it. Print your completed package and walk into any bank, credit union, or mortgage broker to compare offers. You stay in control.

🏗️ Planning a renovation? You'll likely need permits too.

Most renovation projects require building permits. Check your local requirements before you start construction or get financing.

📍 Find Permit Requirements 💰 Estimate Permit Costs 🚦 Do I Need a Permit? 🍳 Kitchen Remodel Guide 🛁 Bathroom Guide 🏠 Home Addition Guide
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