If you are interested in applying for a fixed-rate residential loan, begin the application process by completing the Universal Residential Loan Application (URLA) form(s) outlined in the steps below.  For assistance in completing the URLA form(s), use the instructions found HERE.

Important Note: Please save the documents below to your computer PRIOR TO filling them out.

• For a Single Borrower, complete the URLA Form.  Click here for the URLA Form
• For Joint Borrowers, complete the URLA Form for the Primary Borrower and the URLA – Additional Borrower Form for the Secondary Borrower.  Click here for the URLA Form, and Click here for the URLA – Additional Borrower Form
• If more space is required to complete either of the forms above, use the URLA – Continuation Sheet.     Click here for the URLA – Continuation Sheet
• If you selected the Unmarried Status in Section 1 of the URLA, you will also need to complete the URLA – Unmarried Addendum Form.  Click here for the URLA – Unmarried Addendum Form
• The following form must be completed by each borrower and submitted to your GTSB Loan Officer with your URLA – Supplemental Consumer Information Form.  Click here for the URLA – Supplemental Consumer Information Form

Once completed, you will need to submit your application form(s) to a GTSB Loan Officer.  This can be done either in person or electronically via encrypted email.  To submit your application through encrypted email, please contact a GTSB Loan Officer to initiate the encrypted email chain.  Once you receive this email, you will be required to create a password for access.  Once your secure account is created, you can then attach and send your completed application back to them securely.  All email correspondence concerning your loan should be done through this chain.

As always, if you have any questions along the way, please visit or contact one of our loan officers at any of our 4 locations.