Our online application is very user friendly. You will not be asked for any account numbers and can estimate loan payment amounts, bank account balances, etc. Most likely, you will be able to answer all the questions off the top of your head.

The application is broken down into sections and you can track your progress through each section at the top of each screen. It should take less than 20 minutes to complete the application.

Move through the application by using the back and next arrows at the bottom of each screen. Don't use the back and next button on your browser while you're completing the application.

We use state-of-the-art technology to provide you with the most convenient online mortgage application ever! As you answer some of the questions, you'll note that questions below may change, disappear or new questions are added instantly. We don't ever want to waste your time asking for information that isn't important in your situation, so we evaluate the information we need based on your answers.

If you need additional help answering a question, click on the question mark at the end of the question for more information.

If you don't have time to complete the application once you've started, we'll save the information you have completed. When you're ready to finish, return to the site and enter your User ID and password to continue.

If you can't remember your password, please call 888-411-4246, Monday through Friday, between the hours of 8:00 and 5:30 (PST). Our Technical Assistants will be happy to reset your password for you.

Federal and state laws require that mortgage lenders provide certain disclosures at the time a customer completes an application. Those laws apply to online lenders as well as traditional lenders. Some of the most common disclosures include information about certain loan types and information about the rate, points and fees being charged. These disclosures are displayed for you at the end of the application, since the disclosures vary depending on the information you provide during the application. You'll be able to print copies of the disclosures once the application process is completed and return to our website using your login and password to obtain copies of them at any time during the loan process.

If you have any problem whatsoever with our electronic disclosures, just call our website help desk at 888-411-4246. Our technical assistants will assist you in viewing the disclosures online or mail them to you at no cost to you.

If you're not sure about exact amounts, please make an educated best guess. Websites such as Zillow.com may be helpful. The appraisal (and sales contract, if purchase) will ultimately be used to determine the value of the property. Prior to drawing your loan documents, your processor will send you an estimated closing statement and you will have an opportunity to adjust your loan amount as you deem appropriate.

On a refinance application, the year you purchased the property and the price you paid for it are provided to the appraiser to assist them in finding data about your home through local public records. In addition, if you purchased your home in the last year some of the loan programs we offer require us to compare the original purchase price to the current appraised value so that any large increases in value can be justified.

If you don't remember the exact year and purchase price of the property an estimate will work just fine.

If you're not sure about the annual real estate taxes for a property you are purchasing, estimate them at 1.25% of the purchase price.

If you're not sure about the annual real estate taxes for a property you are refinancing, use your best estimate.

Don't let this hold up your application. The appraiser and title company will provide us with the exact amount later.

On a refinance transaction, estimate your closing date to be three weeks from the date you are applying.

On a purchase transaction, use the estimated closing date agreed to in your purchase contract.

On a pre-approval (do not have property located and/or signed contract with seller), use your best estimate as to when you will have located a property and allowed sufficient time to close (normally 30 days from signing contract).

On a purchase transaction, one of the first things we'll do after your loan is approved is to contact your real estate broker/agent to discuss the items required for closing that the broker/agent or seller might be responsible for. Though there is some variance across the country, generally the broker/agent is involved in ordering the title policy and scheduling the appraiser's inspection of the home. We'll make sure that everything necessary has been taken care of so that your closing happens as efficiently as possible.

The broker/agent may also want to know that you have taken the steps to obtain financing and that your loan request has been approved. We'll only provide basic information about your loan approval. It's really up to you to decide what details you want to share.

Gifts are an acceptable source of down payment, if the gift giver is related to you or your co-borrower. We'll ask you for the name, address, and phone number of the gift giver, as well as the donor's relationship to you.

On a conventional loan, if your loan request is for more than 80% of the purchase price, we'll need to verify that you have at least 5% of the property's value in your own assets. On an FHA loan, the entire down payment may be a gift from a relative.

Prior to closing, we'll verify that the gift funds have been transferred to you by obtaining a copy of your bank receipt or deposit slip to verify that you have deposited the gift funds into your account.

Any student loan that will go into repayment within the next six months should be included in the application. If you are not sure exactly what the monthly payment will be at this time, enter an estimated amount.

In order for bonus, overtime, or commission income to be considered, you must have a history of receiving it and it must be likely to continue. We'll usually need to obtain copies of W-2 statements for the previous two years and a recent pay stub to verify this type of income. If a major part of your income is commission earnings, we may need to obtain copies of recent tax returns to verify the amount of business-related expenses, if any. We'll average the amounts you have received over the past two years to calculate the amount that can be considered as a regular part of your income.

If you haven't been receiving bonus, overtime, or commission income for at least one year, it probably can't be given full value when your loan is reviewed for approval.

We will always attempt to approve you for the loan without using these sources of additional income to reduce the amount of documentation you need to provide.

Typically, income from a second job will be considered if a two-year history of secondary employment can be verified.

Generally, the income of self-employed borrowers is verified by obtaining copies of personal (and business, if applicable) federal tax returns for the most recent two-year period. However, based on your entire financial situation, we may not need full copies of your tax returns. We'll review and average the net income from self-employment that's reported on your tax returns to determine the income that can be used to qualify. We won't be able to consider any income that hasn't been reported as such on your tax returns. Typically, we'll need at least one, and sometimes a full two-year history of self-employment to verify that your self-employment income is stable.

We will ask for copies of your recent pension check stubs, or bank statement if your pension or retirement income is deposited directly in your bank account. Sometimes it will also be necessary to verify that this income will continue for at least three years since some pension or retirement plans do not provide income for life. This can usually be verified with a copy of your award letter. If you don't have an award letter, we can contact the source of this income directly for verification.

If you're receiving tax-free income, such as social security earnings, in some cases we'll consider the fact that taxes will not be deducted from this income when reviewing your request.

Generally, two years personal tax returns are required to verify the amount of your dividend and/or interest income so that an average of the amounts you receive can be calculated. In addition, we will need to verify your ownership of the assets that generate the income using copies of statements from your financial institution, brokerage statements, stock certificates or Promissory Notes.

Typically, income from dividends and/or interest must be expected to continue for at least three years to be considered for repayment.

We will always attempt to approve you for the loan without using these sources of additional income to reduce the amount of documentation you need to provide.

On a Single Family Residence or PUD, there must be a minimum of 60 days of coverage remaining on your policy from the time of funding. On a condo, your association Home Owners Insurance policy must be current.

Credit scores (FICO scores) are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.

Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.

Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won't be paid as agreed.

An abundance of credit inquiries can sometimes affect your credit scores since it may indicate that your use of credit is increasing. But don't overreact. The data used to calculate your credit score doesn't include any mortgage or auto loan credit inquiries that are made within the 30 days prior to the score being calculated. In addition, all mortgage inquiries made in any 14-day period are always considered one inquiry. Don't limit your mortgage shopping for fear of the effect on your credit score. If a lender gives you this advise, it is probably because they do not offer competitive rates and are afraid you will discover this by shopping for a mortgage with other lenders.

You must contact the credit agencies directly and dispute the reported item. Following is the information on how to contact the agencies:

Transunion Consumer Relations

PO Box 1000

Chester, PA 19022

800-888-4213

https://www.transunion.com

Equifax Consumer Relations

PO Box 105873

Atlanta, GA 30348

800-685-1111

https://www.equifax.com

Experian Consumer Relations

PO Box 2002

Allen, TX 75013

888-397-3742

https://www.experian.com

Several non-profit agencies offer free counseling to assist you in this regard. Consult the yellow pages or the Internet under the heading Credit Counseling Services to find a counseling service in your area.

If you have been a "Victim of Identity Theft" in California and certain other states you have certain rights under the law. In order to protect yourself you may provide a copy of a valid police report or a valid investigative report made by a Department of Motor Vehicle investigator with peace officer status to a credit reporting agency. The credit reporting agency must promptly block the reporting of any information that you allege appears on your credit report as a result of a violation of Section 530.5 of the Penal Code and shall ensure that information is unblocked only upon a preponderance of the evidence establishing one of the following facts: (1) The information was blocked due to a material misrepresentation of fact by you or fraud; or (2) You agree that the blocked information, or portions of the blocked information, were blocked in error; or (3) You knowingly obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions or you should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions.

The Fair and Accurate Credit Transaction Act of 2003 (FACTA) provides that every consumer is entitled to a free credit report every 12 months from each of the three national repositories: Equifax, TransUnion and Experian. Customers may obtain their personal credit report through the following website: www.annualcreditreport.com