What if I have two last names?

Please put both last names in the last name section using a hyphen to connect them.

What if I don’t have an email address?

You’re required to have an email address to complete this online application. But, you can contact a loan originator to start the process over the phone or in person. For information on obtaining a free email address, click this link.

Should I enter my home phone or cell phone?

Your cell phone is the preferred phone number.

What address should I use if I own more than one house?

Please use the address that you live in most often.

How do I enter my apartment number when filling out this form?

Enter your apartment number on the same line as your current address.

Do I need to reveal if I receive alimony, child support, or separate maintenance income?

Alimony, child support, or separate maintenance income need not be revealed if the Borrower/Co-borrower does not choose to have it considered for repaying this loan.

Why do I have to provide my social security number?

Your loan originator needs your Social Security number to run a credit check so they can see your credit score. Once they see your credit scores, they match this information with the Social Security number you provide to verify all the information is correct. Because your credit score reflects your reliability and the likelihood that you’ll pay off your debts, it is vital for your potential lender to see this number and your credit report.

How is my score going to be affected by having my credit report pulled?

You may have heard one of the many credit score myths that your score will tank as a result of one pull. While your score will go down, it’s not as bad as people often think. When a lender checks your report, a hard inquiry is recorded. Typically, the first time you have your score accessed, your score w ill drop about three to five points. The pull may remain on your credit report for two years, but the damage to your score will decrease as time goes on. This is a minimal drop when you consider your overall score, and these points can be easily made up in a few simple steps.

If my spouse is a co-borrower, do I need to enter their information in both places?

No, you do not need to enter their information twice.