Form 1003: Uniform Residential Loan Application (Fannie Mae Form 1003 / Freddie Mac Form 65)
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For mortgage brokers, loan officers, and private/DSCR lenders
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JustFill prepares the Form 1003 PDF; it is not a mortgage lender or broker, does not pull credit reports, and does not submit loan applications to Fannie Mae Desktop Underwriter (DU) or Freddie Mac Loan Product Advisor (LPA).JustFill is not affiliated with Fannie Mae / Freddie Mac. This is an independent third-party tool to help you complete Form 1003 (URLA). Always download the current blank form from the official source and verify your completed copy before signing or submitting. Official Form 1003 (URLA) from Fannie Mae / Freddie Mac
Form 1003, Uniform Residential Loan Application (URLA — Fannie Mae Form 1003 / Freddie Mac Form 65), is the standard 9-page US residential mortgage application used by mortgage brokers, credit unions, banks, and private lenders to originate home purchase and refinance loans. It captures Borrower Information (Section 1), Financial Information — Assets and Liabilities (Section 2), Real Estate Owned (Section 3), Loan and Property Information (Section 4), Declarations (Section 5), Acknowledgments (Section 6), Military Service (Section 7), Demographic Information (Section 8), and Loan Originator Information (Section 9). Open an interactive Form 1003 worksheet or upload your blank URLA PDF in JustFill to fill and download it free.
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IRS Form W-4 + USCIS Form I-9
IRS Form W-9 + IRS Form 1099-NEC (Copy B)
IRS Form 2848 (POA) + Form 8821 + Form 4506-T Transcript
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Originating residential mortgages, collecting borrower intake applications as an independent mortgage broker or private/DSCR lender, or completing a Form 1003 PDF requested by your loan officer? The redesigned Uniform Residential Loan Application (Fannie Mae Form 1003 / Freddie Mac Form 65) spans 9 detailed sections. JustFill lets borrowers, loan officers, and mortgage processors fill the official URLA PDF in any browser, send a hosted Share & E-Sign link to borrowers, or batch-populate Form 1003 and Form 4506-C packets from CRM/LOS Excel exports.
Use the button above to open an interactive Form 1003 (URLA) worksheet in JustFill, or download the official Fannie Mae Form 1003 / Freddie Mac Form 65 PDF and upload it to complete every section in your browser.
What each section of Form 1003 (URLA) asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.
Name, SSN, DOB, citizenship, marital status, dependents, 2-year residence history, 2-year employment history, gross monthly base/overtime/bonus/commission/self-employment income, and other income sources.
Checking, savings, retirement, and gift/grant accounts used for closing, plus revolving credit cards, auto/student loans, installment debts, alimony/child support, and job-related expenses.
Properties currently owned by the borrower, their market value, mortgage balances, monthly payments, gross rental income, and whether each property is retained, sold, or pending sale.
Loan amount, loan purpose (Purchase, Refinance, Other), property address, number of units, property value, occupancy (Primary Residence, Second Home, Investment Property), and other new mortgages or rental income on the subject property.
Occupancy and credit/bankruptcy/foreclosure declarations, borrower signature and credit-check authorization, veteran/active-duty military service status, and Home Mortgage Disclosure Act (HMDA) demographic fields.
Loan originator organization name, address, NMLS ID, individual loan officer name, NMLS ID, contact details, and signature.
A fictional W-2 borrower in Texas applies for a $360,000 purchase mortgage on a $450,000 single-family primary residence and completes Form 1003.
SAMPLE, CLAIRE R · SSN •••-••-•••• · DOB 08/12/1989 · Married · 2 years at 410 Sample Vista Apt 4B, Austin, TX 78704
Provides full legal identity and 2-year residence history.
Employer: Sample Tech Corp · Position: Senior Analyst · Start: 03/01/2021 · Base Income: $9,500.00/mo
Gross monthly pre-tax base salary documented by W-2s and pay stubs.
Sample National Bank Checking: $28,000.00 · Sample Fidelity Brokerage/Savings: $92,000.00
Verifies liquid funds for the $90,000 down payment, closing costs, and post-closing reserves.
Loan Amount: $360,000.00 · Purpose: Purchase · Property: 920 Sample Ridge Dr, Austin, TX 78731 · 1 Unit · Occupancy: Primary Residence
Identifies the subject property and occupancy type.
Signed and dated 10/20/2026 by Claire R. Sample
Authorizes the lender to verify employment, assets, and credit.
These values are made up. They are here to show what belongs on each line, not to be copied — every name, number, and address on your own Form 1003 (URLA) has to be your own.
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For mortgage brokers, loan officers, and private/DSCR lenders
Import one borrower or loan record per Excel or CSV row, map borrower, property, income, and asset columns once, and generate one reviewable Form 1003 URLA PDF per loan.
Dedicated guide & CSV template: Mortgage Form 1003, RMA & closing packet PDF automation
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Don't have the PDF on your computer yet? One click opens an interactive Form 1003 (URLA) worksheet in JustFill — or upload your own official PDF copy below.
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Choose a PDF, a Word file or an image from your files, or photograph a paper form.
PDF, Word (.docx), JPG, PNG, WebP, HEIC, GIF and BMP. Free account required, no credit card.
First hand-filled PDF (up to 15 pages) is free with no watermark. Need more or AI Auto-Fill? Grab the $7 7-Day Pass (25 clean PDF downloads + 25 AI credits, $7 credited toward $19/mo Starter).
By uploading, you confirm you have the legal right to use this document.
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Official source: Form 1003 (URLA) on Fannie Mae / Freddie Mac’s website
Edition checked: Fannie Mae Form 1003 / Freddie Mac Form 65 (Effective 01/2021). Verified against the official source on .
Form 1003 (Uniform Residential Loan Application) is published by Fannie Mae and Freddie Mac. JustFill is an independent tool and is not affiliated with Fannie Mae, Freddie Mac, FHA, or VA.
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