Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the wp-migrate-db domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /srv/app/gotoiba-dev/htdocs/web/wp-includes/functions.php on line 6121
In filling out a Form 1003 mortgage application, if the loan applicants are in a civil union, should we list them as unmarried? – IBA Compliance Connection

In filling out a Form 1003 mortgage application, if the loan applicants are in a civil union, should we list them as unmarried?

by

It would be most accurate to list the legal relationship as a “domestic partnership,” as a civil union is not the strict equivalent of a marriage. Under Illinois’s civil union law, every reference to “spouse” in any Illinois statute is now deemed to include a “party to a civil union.” 750 ILCS 75/10. A “party to a civil union” is someone who has entered into a civil union approved by a county clerk after “an application has been completed and signed by both parties, applicable fees have been paid, and both parties have appeared before the county clerk.” 750 ILCS 75/30. Thus, any property rights of a spouse under Illinois law will apply to a party to a civil union.