Fill out Uniform Residential Loan Application (URLA / Fannie Mae 1003) online
The Uniform Residential Loan Application (URLA), also known as Fannie Mae Form 1003 or Freddie Mac Form 65, is the standardized form used by nearly all mortgage lenders in the United States. It collects the borrower's personal, financial, and property information needed to evaluate a mortgage application.
How to fill out Uniform Residential Loan Application (URLA / Fannie Mae 1003)
Enter borrower information
Fill in your full legal name, Social Security number, date of birth, citizenship status, marital status, and contact information. If there is a co-borrower, complete the same fields for them.
Provide financial information
List all income sources (employment, self-employment, other), monthly housing expenses, and all assets (bank accounts, investments, retirement funds). Disclose all liabilities including credit cards, loans, and alimony.
Describe the property and loan
Enter the property address, intended use (primary residence, second home, investment), property type, and the loan amount requested. Indicate the loan purpose (purchase, refinance, construction).
Complete declarations and sign
Answer the declarations section honestly (bankruptcy history, lawsuits, delinquencies, citizenship questions). Review all information for accuracy, then sign and date the application.
About Uniform Residential Loan Application (URLA / Fannie Mae 1003)
Who needs this form
Anyone applying for a residential mortgage loan, including purchases, refinances, and construction loans. Both primary borrowers and co-borrowers must complete the form. Lenders across all loan types (conventional, FHA, VA, USDA) use this same application.
Where to submit
Submit to your mortgage lender or loan officer as part of your mortgage application. The lender retains it in the loan file and uses it for underwriting. It is not filed with any government agency directly.
Source and content freshness
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Inconsistent income figures between the application and supporting documents (pay stubs, tax returns)
- Omitting liabilities such as student loans, car payments, or existing mortgages
- Leaving the property address or loan amount blank
- Not disclosing all real estate owned, including investment properties
- Failing to list all bank accounts and assets
Frequently asked questions
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Is the URLA the same as Fannie Mae Form 1003?
Yes. The Uniform Residential Loan Application (URLA) is jointly published by Fannie Mae (as Form 1003) and Freddie Mac (as Form 65). They are identical forms used by virtually all mortgage lenders in the United States, regardless of whether the loan will be sold to Fannie Mae, Freddie Mac, or held in portfolio.
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