Uniform Residential Loan Application – Instructions 1
Freddie Mac Form 65 • Fannie Mae Form 1003
URLA Effective 1/2021 • Instructions Revised 10/2022
Instructions for Completing the Uniform Residential Loan Application
Uniform Residential Loan Application
The Uniform Residential Loan Application (URLA) contains the following sections:
Section 1. Borrower Information. Collects your personal information, income, and employment.
Section 2. Financial Information – Assets and Liabilities. Collects information about your financial assets, personal
financial obligations, and debts you owe.
Section 3. Financial Information – Real Estate. Collects information about property you own and the debts and
expenses related to the property.
Section 4. Loan and Property Information. Collects information about the loan purpose and the property you are buying
or refinancing.
Section 5. Declarations. Asks specific questions about the property, how the property will be financed, and your past
financial history.
Section 6. Acknowledgments and Agreements. Informs you of your legal obligations related to the mortgage application
and asks that you acknowledge certain information will be obtained, used, and shared.
Section 7. Military Service. Collects information about your (or your deceased spouse’s) military service.
Section 8. Demographic Information. Requests information the Lender is required by law to ask you.
Section 9. Loan Originator Information. Provides you with information about the loan originator.
Uniform Residential Loan Application-Additional Borrower
The URLA – Additional Borrower contains the following sections:
Section 1. Borrower Information. Identical to section on the URLA.
Section 2. Financial Information – Assets and Liabilities. Contains only the following statement for the additional
Borrower to complete: “My information for Section 2 is listed on the Uniform Residential Loan Application
with (name of Borrower).” The name of the other borrower is entered here.
Section 3. Financial Information – Real Estate. Contains only the following statement for the additional Borrower to
complete: “My information for Section 3 is listed on the Uniform Residential Loan Application with (name of
Borrower).”
Section 4. Loan and Property Information. Contains only the following statement for the additional Borrower to
complete: “My information for Section 4 is listed on the Uniform Residential Loan Application with (name of
Borrower).”
Section 5. Declarations. Identical to section on the URLA.
Section 6. Acknowledgments and Agreements. Contains only the following statement for the additional Borrower to
complete: “My signature for Section 6 is on the Uniform Residential Loan Application with (name of
Borrower).”
Section 7. Military Service. Identical to section on the URLA.
Section 8. Demographic Information. Identical to section on the URLA.
Section 9. Loan Originator Information. Identical to section on the URLA.
Using the URLA and URLA-Additional Borrower Together
The URLA and the URLA – Additional Borrower are used together to collect information for two Borrowers who have joint
assets, liabilities, and/or real estate information. The URLA and URLA-Additional Borrower can also be used for Borrowers
who do not have joint information but wish to combine their information on the URLA for ease of use. The following are
examples of how to use the URLA and URLA-Additional Borrower:
▪ One Borrower: Complete the URLA.
▪ Two Borrowers with joint financial information:
Complete the URLA plus the URLA-Additional Borrower. Report the assets, liabilities, and real estate for the
additional Borrower on the URLA; OR