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Thursday, April 24, 2014

Happy State Bank - Est. 1908

Home Improvement Application - Happy State Bank

Online Home Improvement Application

Important Information Regarding the Use of this Online Application - Before the Application

Certain restrictions apply to the use of this online application for consumer credit. Please read and acknowledge the following statements before proceeding:

Happy State Bank's policy is to make loans to individuals who reside within our trade area. I/we acknowledge that my/our loan application may be denied if my/our principle residence is not located within an area served by Happy State Bank. To see a general list of the Texas counties we typically serve, click HERE.
Agree Disagree

This consumer loan application is not intended for use with residential real estate mortgages. I/we acknowledge that I/we are not applying for credit which will be secured by our primary residence.
Agree Disagree

I/we are 18 years of age or older.
Agree Disagree

Are you applying by yourself or with a joint applicant?

I am applying for credit in my own name and am relying solely on my own income and assets for the repayment of the requested loan.
We intend to apply for a joint loan.

Select a collateral type:

Unsecured
Vehicle
CD/Savings Account
UCC Secured (windows, roof, A/C and Heating)

(*Cannot be primary residence)

CUSTOMER INSURANCE DISCLOSURE

You are applying for a loan with the bank. The bank offers credit insurance products. Insurance products sold through or in the bank are not insured by the Federal Deposit Insurance Corporation and are not issued, guaranteed, or underwritten by the bank or the Federal Deposit Insurance Corporation or any other Federal Government Agency. You are not required or obligated to purchase insurance from the bank or any subsidiary, affiliate or particular unaffiliated third party as a condition to obtaining your loan, and your decision as to insurance agents will not affect your credit terms in any way. The bank may not condition an extension of credit on your agreement not to obtain, or a prohibition on you from obtaining, an insurance product or annuity from an unaffiliated entity.
Acknowledge
Do not Acknowledge

Applicant's Initials

Co-Applicant's Initials

Loan Application




Your Information































Co-Applicant's Information































Information for Government Monitoring Purposes

The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender’s compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are that lender may not discriminate on the basis of this information, or on whether you choose to furnish it.

Applicant:

I do not wish to furnish this information

Ethnicity:
Hispanic or Latino
Not Hispanic or Latino

Race:
American Indian or Alaskan Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White

Sex:
Female
Male

Co-Applicant:

I do not wish to furnish this information

Ethnicity:
Hispanic or Latino
Not Hispanic or Latino

Race:
American Indian or Alaskan Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White

Sex:
Female
Male

Other Income

If you have no income in this section, please put "none" in the box.

Any income derived from alimony, child support, or separate maintenance payments need NOT be included in this application or revealed if you do not desire that such income be considered in determining your creditworthiness.







Monthly Mortgage / Rent Payment









Monthly Mortgage / Rent Payment



Complete this last section only if you are applying for secure credit, or you reside in a community property state or you are relying on property located in such a state.



Preferred Lender:

      

By clicking on "Submit" I/We represent that this application is complete and accurate and fully reflects my financial condition as of today's date. I authorize Lender to obtain a credit report and any other information it deems necessary about my credit worthiness. I agree to notify Lender immediately, in writing, of any adverse change in my financial condition. I understand that Lender will retain this application whether or not it is approved.

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