Emily B.

Plaid allows the borrower to connect to their personal or business bank account for income verification. This is NOT a bank statement program.Requirements for Use of Business AccountsBorrower(s) mu...

If the borrower selects Tax Returns, they will be prompted to manually upload their most recent two years’ worth of tax returns (e.g. 2025 and 2024). The tax returns will be sent to a third-party v...

Installment DebtInstallment Debt: A monthly obligation with fixed payments and terms.Payments with ten (10) or fewer monthly payments remaining are automatically excluded from the borrower's total ...

 Axle is the third-party vendor we use to help the borrower verify their HOI coverage on the home. Verification of HOI coverage is needed when the HELOC is in first lien position. Verifying Via Axl...

Shellpoint InformationCustomer Service Phone Number: 1-800-365-7107Hours of Operation: Monday – Friday 8:00 AM – 9:00 PM (EST), Saturday 10:00 AM – 2:00 PM (EST)Address: Shellpoint Mortgage Servici...

For issues with your credit report including managing credit freeze/lock, reporting fraud, removing/adding fraud alerts, identify verification, remove blocks from bureau file preventing lenders fro...

During the loan process, up until the day of funding, a borrower may connect their bank account to receive funds via Automated Clearing House (ACH) or Real-Time Payments (RTP).If the borrower has n...

The lender offers both Remote Online Notarization (RON) and in-person notary closing services:Remote Online Notarization is available only in eligible locations/municipalitiesFor locations that req...

The lender uses automation to ensure each application complies with all eligibility requirements and underwriting guidelines.Once all validations have been completed, the file is manually quality-c...

1st lien HELOCs must have Hazard insurance to protect against loss or damage from fire and other hazards covered by the standard extended coverage endorsement. The coverage must provide for claims ...