Your income gets verified faster
Income verification used to be the slowest part of your application. You'd connect your payroll system, wait days for processing, then sometimes get stuck with missing data. This week, we made it lightning fast and more reliable.
When we can verify your income instantly from your employer, you'll skip the entire income verification step and move straight to the next part of your application.
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Smart retry when data is missing If your payroll connection comes back empty, we automatically try again instead of leaving you stuck with a loading screen.
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Better employer matching We're now much better at finding your current mortgage in your credit report, even when it's categorized incorrectly by credit bureaus.
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Phone verification without phone numbers On mobile devices, you can now verify your identity using advanced verification that doesn't require entering your phone number.
Your costs are clearer upfront
Nobody likes surprises at closing. You used to see basic estimates early on, then discover additional fees and insurance costs later in the process. Now you see the complete picture from the start.
Instead of one big application fee, you now see exactly what you're paying for: credit report ($130), income verification ($40), and flood certification ($10).
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Escrow waiver option You can now choose to waive escrows if you prefer to handle property taxes and insurance payments yourself, with instant cost recalculation.
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Current rate context When we show your current mortgage rate, you also see the national average rate when you got that loan for better context.
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Automatic cost updates Your closing cost estimate updates automatically as we gather more information about your property and loan details.
A more reliable experience
Technical glitches used to interrupt your progress at frustrating moments. You might get stuck on a loading screen, lose your session, or face errors with no way to recover. We've eliminated those friction points.
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Retry buttons when things go wrong If identity verification fails due to a network issue, you can now try again instead of being permanently blocked.
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Better session handling Your login session stays active longer and recovers more gracefully, so you won't get unexpectedly logged out mid-application.
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Smarter document processing We now handle documents from cloud storage better, automatically detecting file types and sizes even when your device can't read them properly.
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Improved communication tracking All your messages, emails, and notifications are now tracked in one place, so nothing falls through the cracks.
Behind the Scenes
Technical improvements you won't see, but should trust.