Borrower forms.
The complete document library for a Citizens Interstate credit relationship — application through servicing. Each form is browser-fillable: click any form below to type directly into the fields, then print to PDF (Cmd-P / Ctrl-P) or submit directly to the Deal Room.
Forms in library
13
Required at app
5
Required at close
6
Lifecycle / servicing
2
Package A · Application Package — Required for every new credit request
Loan Application
Single intake covering DSCR, Bridge, Fix-and-Flip, and Multifamily / Commercial Bridge requests. Captures sponsor, entity, subject property, sources & uses, rent / DSCR, and rehab plan.
When: Submitted with every new request, before pricing.
Personal Financial Statement
Long-form individual balance sheet. Required for every guarantor with ≥ 20% ownership. Includes annual income, contingent liabilities, and disclosure questions.
When: New sponsors and any facility > $2M.
Personal Financial Statement — Short Form
One-page balance sheet for repeat sponsors and small-balance requests. Compact assets / liabilities, contingent debt schedule, and disclosure questions.
When: Repeat borrowers, facilities ≤ $2M.
Schedule of Real Estate Owned
Personal real estate (on PFS), realized flip experience (off-balance-sheet track record), and active pipeline. Drives portfolio underwriting and liquidity stress.
When: Required alongside the PFS for any sponsor with investment real estate.
Credit Authorization
FCRA-compliant authorization for consumer and business credit pulls, mortgage references, employment verification, and IRS Form 4506-C tax-transcript requests.
When: One per individual guarantor, executed at application.
Package B · Closing Package — Executed at or before funding
Business Purpose & NOO Certification
Establishes the loan as exempt from TILA, RESPA, and HOEPA consumer-loan rules. Certifies non-owner-occupied use, business purpose, sponsor experience, and SPE status.
When: Without this, an investor loan can be re-characterized as a consumer loan in litigation.
Beneficial Ownership Certification
Captures every individual with ≥ 25% ownership or substantial control of the borrowing entity, plus OFAC and politically-exposed-person screening and source-of-funds disclosure.
When: FinCEN Customer Due Diligence Rule and the Corporate Transparency Act.
Rehab Budget & Draw Schedule
Hard-cost line items by trade, soft-cost reserve, contingency, and the milestone-based draw plan. Draws disbursed after third-party inspection with 10% holdback.
When: Every Fix-and-Flip and value-add Bridge facility.
Insurance Requirements & Mortgagee Clause
Coverage minimums by line (hazard, loss-of-rents, GL, flood, builders risk, wind, earthquake), AM Best rating floor, deductible caps, and the verbatim mortgagee endorsement clause.
When: Sent to broker on term-sheet acceptance; evidence of coverage required 5 days before close.
Entity & Borrowing Resolution Checklist
Articles of Organization, Operating Agreement, Certificate of Good Standing (within 30 days), EIN confirmation letter (IRS CP 575), and Unanimous Written Consent to Borrow.
When: Required for all LLC, LP, and Corporate borrowers prior to closing doc preparation.
Title, Escrow & ALTA Endorsement Instructions
Required ALTA 2006/2021 loan policy endorsements (ALTA 6, 8.1, 9, Survey/Same-as-Survey), gap coverage requirements, and closing protection letter (CPL) verification.
When: Transmitted directly to settlement agent upon opening escrow.
Package C · Lifecycle & Servicing — Post-closing administration
ACH Auto-Debit Servicing Authorization
Authorizes automatic monthly drafting of interest or PITIA payments on the 1st of each month from the borrowing entity's operating bank account.
When: Executed at closing for all active loans.
Construction Draw Request & Lien Waiver Certificate
Post-closing reimbursement request with line-item completion percentages, contractor conditional/unconditional lien waiver certification, and inspection readiness sign-off.
When: Submitted in Deal Room whenever requesting a construction or rehab draw.