How to Fill Out a HUDVA Addendum to a Uniform Residential Loan Application

By DB Jenkins

The Department of Housing and Urban Development (HUD) governs all federally insured mortgages made in the United States. In addition, the Department of Veterans Affairs (VA) oversees federally insured mortgages made to veterans of the armed services. The addendum to the Uniform Residential Loan Application is a requirement for all federally insured loans. HUD must review and approve all applications to gain government insurance.

Collect all information as noted in "Things You'll Need." Regardless of whether you are a borrower or lender, you must have all of the information to completely fill out the addendum.

Fill out Part I of the application, including all lender and borrower information such as addresses, phone numbers, names and lender identification number (federal ID number). Include mortgage information, such as rate, maturity date, term, loan amount and standard payment. Select the option, where noted, of FHA or VA loan.

Read the disclosure in Part II. Affirm it with your signature and date if you are the lender. Make sure to have your lender fill this section out, preferably in your presence, if you are the borrower.

Review Part IV, which gives the government the authority to verify your Social Security Number. It cannot do this unless you consent to it. Read the disclosure and sign.

Complete Part V, which includes a series of questions on previous FHA, HUD and VA loans as well as occupancy information. (In general, you must be the primary occupant to get FHA or HUD financing.) Sign at the bottom once you have answered all questions.

Read the borrower's certificate at the end of the form. Sign the disclosure if all information is accurate. Send the form to HUD for approval.

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