Verifying your income just got a faster option
Uploading pay stubs and employer documents gets the job done — but it takes time. You have to track down files, export them, and upload them one by one. Now there's a second path: if your employer uses a payroll platform, you can log in directly and let your income be confirmed in minutes instead of days. You still get to choose which way works best for you.
You can now log in to your employer's payroll system to verify your income automatically. If anything goes wrong with the connection, you're automatically switched to document upload — no dead ends, no starting over.
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Two ways to confirm your income The income screen now shows both options side by side — connect your payroll account or upload your documents. You pick what's easiest for your situation.
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A connection problem won't stall your application If the payroll connection doesn't go through for any reason, your application automatically falls back to document upload. You won't lose your progress or need to call anyone.
Your application moves faster between steps
Waiting on loading screens is one of the most frustrating parts of any online process — especially when you're in the middle of something as important as your home loan. We took a close look at the moments where the application felt slow or abrupt, and smoothed them out so you spend less time watching spinners and more time making progress.
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Key screens load before you even arrive Two of the longest loading waits in the application — moving from your mortgage preparation screen to your loan selection, and from your estimate screen to your loan details — now land on screens that are already loaded. No more staring at a spinner while the page catches up to you.
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Smoother transitions between pages Pages now cross-fade as you move through your application instead of snapping abruptly. It's a small change that makes the whole experience feel more polished and less jarring.
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Placeholder layouts while content loads Instead of a blank screen, you now see the shape of the page while your information is loading. This makes it clear something is happening and helps you stay oriented.
Financing a condo is less back-and-forth
When you're buying or refinancing a condo, your lender needs documents from your building's homeowners association — things like the master insurance policy, budget, and condo questionnaire. Getting those documents used to mean a lot of phone tag between you, your HOA, and your loan team. Now you can invite your HOA or management company directly, and they can upload what's needed straight into your loan file.
You send an invite, your HOA contact gets a secure link, and they upload the required condo documents directly. No emailing files back and forth, no faxing, no delays waiting on you as the middleman.
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Send your HOA a secure upload link From inside your application, you can invite your building's HOA or management company to submit their documents. They get a private, secure portal — no account required on their end.
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All required condo documents in one place The portal covers everything your loan needs from the HOA: the condo questionnaire, master insurance certificate, budget, governing documents, and financials. Once they've uploaded, your loan team can review without chasing anyone.
Behind the Scenes
Technical improvements you won't see, but should trust.