Step 1: Start with pre-qualification
Most borrowers begin by submitting basic information about their property, occupancy, and goals. A soft credit check can help assess fit without the initial friction of a hard inquiry.
This early step helps set expectations on potential qualification range before you invest time gathering documents.
Step 2: Complete the online application and verification
Once you move forward, the application is completed online. Income and asset information may be verified digitally through secure tools such as Plaid and PointServ, helping streamline documentation.
The lender also reviews the property, available equity, and other underwriting factors before issuing final approval.
- Submit borrower and property details
- Authorize digital income verification
- Review disclosures and approval conditions
Step 3: Close and access the line
Closing may be handled through eNotary by video call, making the final execution step more convenient than traditional in-person scheduling. Once closing is complete, funding can happen quickly for qualified borrowers.
Understanding each step in advance makes the overall experience feel more manageable and less opaque.