A Fannie Mae Loan Application form designated by Fannie Mae and Freddie Mac that is used by lenders to obatin personal financial information from borrowers who apply for a mortgage loan secured by a one-to-four unit residential real estate. Also known as Uniform Residential Loan Application (URLA). It has been widely adopted by mortgage lenders as a standard loan application form and is often pronounced "ten-oh-three". Freddie Mac also uses the same application form, referring to it as the Freddie Mac Form 65.

Underwriting Loan transmittal Summary

VA Loan application addenda

203 (H)
A single family program within HUD for victims of presidential - declared major disasters

203 (K)
A Single Family Program for the Rehabilitation and repair of single - family properties

IRS form request for verification of tax transcripts

4506-T requirement
As of September 1st, 2009, Fannie Mae is now requiring its lenders to obtain a completed and signed form 4506 - T from all borrowers at both application and closing.

92900 S
FHA loan application addenda

12b-1 Fee

A fee assessed on certain mutual funds or share classes permitted under an SEC rule to help cover the costs associated with marketing and selling the fund. 12b-1 fees may also be used to cover shareholder servicing expenses.

1031 Exchange

A 1031 Exchange allows resident and non resident United States federal taxpayers to defer capital gains and recaptured depreciation taxes when exchanging real or personal property held for productive use in a trade, business, or for investment for like-kind real or personal property held for productive use in a trade, business, or for investment. The tax otherwise paid in a traditional sale is deferred indefinitely until the replacement property is sold or another 1031 exchange is initiated.


An IRS form used to receive past tax returns, W2, and 1099 transcripts that are on file with the IRS. It is used to validate income documentation for underwriting and quality control purposes.