• Tradeline update and supplement service

  • Residential Mortgage Credit Report (RMCR)

  • Compatible with Fannie Mae & Freddie Mac

  • Verification of mortgage/rent

  • Non-traditional credit reports

  • International credit reports

  • Tax Return Verification service

  • Credit Analyzer Score Analysis Report and What If? Simulator™

  • Re-score service on a national level

  • Flood zone determinations with HMDA

  • Automated Valuation Models (AVM)

  • Instant ordering system access 24/7

Borrower’s information

  • Borrower’s address, marital status, and dependents

  • Joint or individual application

  • Social Security number and date of birth

  • Current employer and address, as well as employment income

  • Supporting documents, such as bank statements and pay stubs, are often submitted along with the application. If you’re self-employed, then you may need to produce two years of tax returns to demonstrate proof of income.

Financial information

  • Assets include bank accounts, retirement accounts, certificates of deposit, savings accounts, and brokerage accounts for stocks or bonds

  • Any real estate owned and its estimated value or rental income, if applicable

Mortgage loan and property

  • Address of the property

  • The loan amount, and the type of loan, such as a purchase or refinance

  • Any rental income from the property, if you are buying the home as an investment with the goal of renting it out


  • Will the home be your primary residence, second home or Investment?

  • Are there any judgments, lawsuits, or liens against you?

  • Do you have any past foreclosures, are you a guarantor for another loan?

Acknowledge and agree

  • You sign the application, essentially stating that you believe the information that you provided is accurate and true.

The mortgage application will be verified and examined by the bank’s underwriter, who will then decide how much the bank will loan to you, and at what interest rate.

When your mortgage application has been approved, you will received a loan estimate, which details the closing costs. At this time, you will pay for the appraisal.