Let's run through some questions to get started, so we can determine what the next steps are...
OK
 
What's your first name? *

 
Hey {{answer_PUFI3BARjItb}}, nice to meet you.
What's your last name?

 
And what is your mobile phone number,  {{answer_PUFI3BARjItb}}? *

 
U.S. Military History? *


 
What's your current street address? *

example: 123 Sesame St. #456
 
Zip code? *

example: 75000
 
Help us know how to help give you the best direction... *

Select all that apply - We'll help explain what needs to be documented and what won't be required...This part will help you avoid any surprises down the line...We're human too...Don't worry about what we'll think of the answers - It really doesn't work like that, anyways...

 
Would you like us to give you a quick tutorial on how the credit scores work for a mortgage? *


 
Would you like some ideas on how to improve your mortgage scores between now and closing?

Credit Scores used on mortgage loans are different than other credit score models provided online from services like myFico, CreditKarma, and even bureau sites such as Exquifax, Eperian, or Trans Union...
 
Would you like a request of your mortgage credit score analysis and account history summary? *

To expedite the process, please accept and acknowledge some disclosures electronically rather than being required to receive paper copies.  The next pages covers the details of the permission and consent, and how we use your acceptance.
     
 
We'll need your consent to receive certain Loan Documents from us in electronic form rather than in paper form. *

AUTHORIZATION TO PULL CREDIT REPORT(S), EMPLOYMENT/INCOME VERIFICATION, ASSET VERIFICATION, & HOUSING HISTORY

As part of Gardner Financial Services, LTD's internal controls and processes to ensure that all of the debts of Borrower(s) incurred or closed up to and concurrent with the closing of the subject mortgage are disclosed on the final loan application and included in the qualification for the subject mortgage loan, Borrower(s) acknowledge(s) that Lender may obtain all information deemed necessary to process your mortgage application. This includes, but is not limited to, borrower(s)' credit reports, including updated reports, at any time during the lending process, including closing, reviewing or auditing of the loan file, past and present employment status, income verification, your deposit accounts, and your mortgage record and/or rental record. I/We hereby authorize Gardner Financial Services, LTD to pull and re-pull this information as deemed necessary to satisfy our prospective loan.

Gardner Financial Services, LTD dba Legacy Mutual Mortgage, 3503 Paesanos Parkway, San Antonio, TX 78231.

eDelivery Consent Agreement
The loan for which you are applying involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan to which such Loan Documents apply, and "We", "Our" and "Us" mean the applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting business for such loan(s).YOUR CONSENTYour consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which You are applying. If You provide Your consent by clicking the "I agree" button at the bottom of the page, We will conduct this transaction electronically, instead of providing You with the Loan Documents in paper form. If a document related to Your loan is not available in electronic form, a paper copy will be provided to You free of charge. Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to You. If You do not consent to receive these Loan Documents electronically, You will be provided with copies of the Loan Documents in paper form. Additionally, You will not be required to pay a fee for receiving paper copies of the Loan Documents.WITHDRAWAL OF CONSENTYou have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan Documents in paper form. If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by clicking on the "I do not agree" button, or by notifying Us at:Phone: 210-832-8622
Address: 3503 Paesanos Parkway, San Antonio, TX 78231If You originally consent to receive eDisclosures, but later withdraw Your consen You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents.OBTAINING PAPER COPIESAfter Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us at:Phone: 210-832-8622
Address: 3503 Paesanos Parkway, San Antonio, TX 78231If You request paper copies of the Loan Documents You will not be required to pay a fee for receiving paper copies of the Loan Documents.SYSTEM REQUIREMENTSIn order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records. If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.HOW WE CAN REACH YOUYou must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at:Phone: 210-832-8622
Address: 3503 Paesanos Parkway, San Antonio, TX 78231We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.

Gardner Financial Services, LTD dba Legacy Mutual Mortgage, 3503 Paesanos Parkway, San Antonio, TX 78231.
     
 
Your Date of Birth *

 
Enter your Social Security Number *

Unless you don't have a social security number, enter the number by typing in the option B

 
Do you want to upload or take a phone picture of your photo ID and/or SS cards now?

You'll be able to send these later if it's not convenient...
     
 
Photo ID (Government issued and not expired)

Drivers License, State ID Card, Passport, etc.
 
Social Security Card

OK - Let's head into some details that will help determine how to document our income...
OK