Emily B.

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...

For issues with your credit report including managing credit freeze/lock, reporting fraud, removing/adding fraud alerts, identify verification, remove blocks from bureau file preventing lenders fro...

Once your have finalized the closing with the Notary, your rescission period will begin the following business day.For primary residences properties – there is a three (3) day rescission period for...

Please make sure that you reach out to your personal tax advisor on any interest paid on the HELOC. We are unable to provide any information or professional guidance on this topic

Our HELOC program does not store the username or password and cannot view the credentials during entry. It is the most effective way for us to protect your information securely against fraud or una...

There are no pre-payment penalties for the HELOCs. 

A HELOC cannot close vested in a LLC.The Property Deed needs to be out of the LLC and in the borrower's name before we start the application and when we fund the HELOC. The system will NOT draw up ...