The Co- Mortgagor Information Screen of the MITAS Internet Loan Reservation System captures data regarding the second person applying for a loan with the mortgagor.  The co-mortgagor's income, assets and debts are combined with the mortgagor's for underwriting purposes.  The Housing Finance Agency may allow up to a maximum of six different co-mortgagors for a mortgage loan application.  Based on the maximum number of co-mortgagors the Housing Finance Agency allows, a separate section for each allowable co-mortgagor is displayed when you access the Co-Mortgagor screen(s).  A separate section for each co-mortgagor must be completed.  Only complete as many sections as there are co-mortgagors.  A sample Co-Mortgagor screen is shown below.

CO- MORTGAGOR INFORMATION
Co-Mortgagor Name: (ex: John R. Doe)
 SSN: (Must be Unique Among Co-Mortgagors)
Current Address:

Address 1:

Address 2:

City:

State:

   ZIP: 

Home Phone:

 --

Work Phone:

 --

Relationship to Mortgagor:

Ethnicity:

Gender:

 Female  Male

Marital Status:

Date of Birth:

 MM/DD/YYYY

Age at Application:

Years Schooling:

Number of Dependents:

Occupation:

Years in Profession:

Income Type

Monthly Income

Credit Score:

 

  

   

   

   

   

   

 
Co-Mortgagor Name First Name, Middle Initial and Last Name of the co-mortgagor applying for a loan.  For example: John R. Doe
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SSN Social Security Number of the co-mortgagor applying for a loan.  Note: Social Security Numbers must be unique among co-mortgagors.
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Current Address Current address of the co-mortgagor applying for a loan.
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Relationship to Mortgagor Code best describing the relationship of the co-mortgagor to the primary mortgagor.
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Ethnicity Code best describing  the ethnicity of the co-mortgagor applying for a loan.  A borrower is not required to disclose this information, however, if they choose not to disclose, the originating lender is required by law to make a best guess based on visual observation and surname.
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Gender Code describing the gender of the co-mortgagor applying for a loan.
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Marital Status Code describing the marital status of the co-mortgagor applying for a loan.
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Date of Birth Date of Birth of the co-mortgagor applying for a loan.
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Age at Application Age of the co-mortgagor applying for a loan at the time of application.
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Years Schooling Number of years of schooling of the co-mortgagor applying for a loan has completed.
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Number of Dependents Number of minor children or other dependents expected to reside in the property with the co-mortgagor.
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Occupation Occupation of the co-mortgagor applying for a loan.
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Years in Profession Number of years the co-mortgagor has worked in this profession.
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Income Type Type of income co-mortgagor receives.  The MITAS system gives you the ability to break the co-mortgagor's total income into up to six categories.
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Monthly Income Amount of monthly income received from the corresponding income type.
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Credit Score Co-mortgagor's credit score.
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