You can now fix property value issues yourself
Previously, if our automated estimate of your home's value seemed too low, you'd be automatically rejected — even if you knew the real value was higher. You'd have to start over with a different lender. This week, we built a way for you to correct this yourself and keep moving forward.
If our estimate seems low, you can now adjust your home's value and explain why. An appraiser will verify it later, but you don't get stuck waiting.
-
Property value slider with explanations When values seem off, you get a simple slider to adjust your home's worth with clear messaging about the appraisal process.
-
Smarter property data from multiple sources We now pull property information from additional sources and cross-check them, giving you more accurate estimates from the start.
-
Pre-filled property details from your mortgage history If you own other properties, we automatically suggest their addresses so you don't have to type everything from scratch.
Your costs are clearer from day one
Hidden costs and surprise fees at closing are one of the biggest complaints in mortgages. You'd see one estimate early on, then different numbers at closing with no explanation. We're fixing this by showing you more accurate costs upfront and explaining exactly when and why things change.
We now include mortgage insurance, state-specific fees, and closing costs in your initial estimate so you see the real numbers from day one.
-
Mortgage insurance shown upfront You now see exactly what you'll pay for mortgage insurance before you get to closing, with no surprises about monthly costs.
-
Required document updates when your rate locks When you lock your rate, you automatically get an updated cost estimate as required by law — delivered within hours, not days.
-
Texas closing timeline compliance If you're buying in Texas, we now properly enforce the required 12-day waiting period so your closing happens when it's supposed to.
-
Clearer rate lock information You now see exactly how long your rate is locked for and when it expires, with reminders so you don't lose your rate.
The whole process just works better
Behind the scenes, we fixed dozens of small frustrations that could slow you down or confuse you. Things like error messages that actually help, forms that remember what you entered, and systems that don't break when you're trying to move fast.
-
Better mobile experience Fixed navigation issues and improved how forms work on your phone so you can complete your application from anywhere.
-
Smarter document processing We can now automatically extract more information from your bank statements and tax forms, reducing the questions we need to ask you.
-
Email attachments handled properly When you email us documents, they're automatically added to your loan file instead of getting lost in the shuffle.
-
Faster identity verification Added backup verification methods so if one system is slow, another one takes over automatically.
Behind the Scenes
Technical improvements you won't see, but should trust.