Emily B.

Plaid & DTI < 50%If a successful connection is established and the DTI is below 50%, the borrower can keep moving forward without having any other additional steps. Plaid & DTI > 50%If a successful...

If a successful connection via Plaid CRA is not established, the borrower can proceed through Truework.Truework & DTI <50%If a successful connection is established to their payroll provider via Tru...

Plaid allows the borrower to connect to their personal or business bank account for income verification. This is NOT a bank statement program.Requirements for Use of Business AccountsBorrower(s) mu...

If the borrower selects Tax Returns, they will be prompted to manually upload their most recent two years’ worth of tax returns (e.g. 2025 and 2024). The tax returns will be sent to a third-party v...

Installment DebtInstallment Debt: A monthly obligation with fixed payments and terms.Payments with ten (10) or fewer monthly payments remaining are automatically excluded from the borrower's total ...

 Axle is the third-party vendor we use to help the borrower verify their HOI coverage on the home. Verification of HOI coverage is needed when the HELOC is in first lien position. Verifying Via Axl...

Shellpoint InformationCustomer Service Phone Number: 1-800-365-7107Hours of Operation: Monday – Friday 8:00 AM – 9:00 PM (EST), Saturday 10:00 AM – 2:00 PM (EST)Address: Shellpoint Mortgage Servici...

The borrower's home must be worth $100,000+ to qualify for a loan. 

There is no HELOC mobile app.Our website is mobile responsive which means it fits nicely into the size of a mobile phone screen. The application can be completed start to finish on any mobile device. 

During the loan process, up until the day of funding, a borrower may connect their personal bank account to receive funds via Automated Clearing House (ACH) or Real-Time Payments (RTP).If the borro...