Your partner is part of the process now
If you're buying a home with a partner or co-signer, they used to be left out of key parts of the application. Our system only tracked the primary borrower through most steps, which meant delays and confusion when both people needed to be involved. This week, we built your partner into the entire experience.
Your partner can now review all the information in your application, make corrections if needed, and digitally certify everything is accurate. No more playing telephone between you and your loan officer.
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Both partners can certify your application Instead of just the primary borrower signing off, both you and your partner can review and legally certify all application details independently.
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Smart step tracking for each person We now track where each person is in the process separately, so if something goes wrong, you each pick up exactly where you left off.
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Better restoration after issues If your application gets temporarily paused, we can now bring it back to life with each person exactly where they need to be, not where the system thinks they should be.
Your verification process is more reliable
Identity verification and income verification sometimes failed for reasons that had nothing to do with you — temporary system glitches, provider issues, or timing problems. When that happened, you'd get stuck or have to start over completely. Now the system is much smarter about what's actually a problem and what's just a hiccup.
When verification hits a temporary snag, you get helpful guidance and can retry easily instead of getting stuck with cryptic error messages.
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Smarter identity verification Fixed several issues where the identity check would fail due to timing problems rather than actual identity issues, reducing false rejections.
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Better income verification flow Your income verification now handles edge cases more gracefully, so partial successes don't block your entire application.
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Improved mobile experience Fixed navigation and session issues that could trap you on certain pages when using your phone, especially during verification steps.
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Automatic session recovery If you navigate away and come back, the system now remembers exactly where you were instead of making you restart verification steps.
More transparent costs and choices
Getting a mortgage shouldn't involve surprise fees or hidden complexity. You deserve to see all your options upfront and understand exactly what you're paying for. This week we added more clarity to your costs and gave you more control over your loan terms.
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Multiple loan term options You can now choose between 15, 20, and 30-year mortgages and see how each affects your monthly payment and total interest.
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Texas closing fee transparency If you're buying in Texas, you'll now see the required document review fee upfront in your loan estimate instead of discovering it later.
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Clearer discount points When you're considering paying points to lower your rate, you'll see both the percentage and dollar amount clearly displayed.
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Better property tax estimates We've improved how we estimate your property taxes using more accurate regional data, so your monthly payment projections are more reliable.
Behind the Scenes
Technical improvements you won't see, but should trust.