Application & Credit

You are about to take the first two steps to close of escrow. On this page you will find the link to the application and the credit report. Please do not hesistate to contact us if you need assistance.

Before Completing the application

The application will take about 15 -20 minutes to complete.

Answer all the questions completely to the best of your knowledge.

Why does it say Ameritrust-Mortgage? Don't worry, you are in the right place. Ameritrust Mortgage is our partnering platform.

I have a co-borrower, do we complete the application together? - You can complete the application together or they can complete a separate application at a different time. You both will need to make sure you have gone all the way to the end and receive the "Congratulations" notification.

Do I need to upload any documents? - We are glad you asked! Yes, you do! The key to a speedy qualification is providing complete documentation.

Here is a list of the initial documents you will need to upload:

Valid government issued IDs for all borrowers
30 days of income for all borrowers
Most recent two years of W2s for all borrowers
Current Mortgage statement OR lease agreement
60 days of statements from all asset accounts

(All pages. Yes, even the blank ones)

Application

The application will take about 15 -20 minutes to complete.

Answer all the questions completely to the best of your knowledge.

Why does it say Ameritrust-Mortgage? Don't worry, you are in the right place. Ameritrust Mortgage is our partnering platform.

I have a co-borrower, do we complete the application together? - You can complete the application together or they can complete a separate application at a different time. You both will need to make sure you have gone all the way to the end and receive the "Congratulations" notification.

Do I need to upload any documents? - We are glad you asked! Yes, you do! The key to a speedy qualification is providing complete documentation. Here is a list of the initial documents you will need to upload:
- Valid Government issued IDs for all borrowers

Things to know about pulling your credit

Do I really need to do the credit report now? - That is your decision to make. We know that facing our credit can sometimes be intimidating, but if you are serious and ready to move forward, it is necessary to have an accurate credit profile.

Another lender pulled my credit already, do i need to have it pulled again? - Yes. Unfortunately, we cannot use the credit report from another institution. The good news is, within 45 days, multiple lender inquiries are treated as one hard pull.

Will this inquiry be a hard pull or a soft pull? - This is the report that will be used to complete your transactions and will be a hard inquiry.

If you are completing the application with another person, you may both fill out the same credit request and we will separate the reports internally.

Is there a charge for the credit report? - Yes. You are always charged for the credit report, however most lenders hide the fee amongst your closing costs.

Enter your name EXACTLY as it appears on your government issued ID. This may seem like a small detail, but if you leave out a middle name or hyphenation, it could result in a need to repull the report.

Credit

What happens next?

Now the party can begin! Once you have completed the application and credit report, we are automatically notified. We will review both and send you a Document Request for any additional items needed to complete your qualification and loan options within 24hrs. If you have not already had an Initial Client Conversation, we will reach out to schedule that call.

Any additional documents needed, we ask that you provide them to us as soon as you possibly can. Please be aware we cannot accept screen shots of assets and tax returns or documents that have been altered in any way. The best way to provide your documents is in .pdf format.

Once we have all your documents, we will complete your qualification based on the goals outlined in the Initial Client Conversation and provide you with program options and the days rates.

From application to qualification letter typically happens within 48hrs.