Mortgage Application FAQs

Employment and income verification are used as part of the loan underwriting process. To complete the verification, authorization has to be collected from the borrower. Your lender is using HelloHome to help make collecting that authorization an easy process.

Read on for how to provide this authorization if a Verification of Employment or Verification of Income task has been added to your loan file:

1. Log into HelloHome.

2. Click "Begin" for either Verification of Employment or Verification of Income. Some information may be filled out in the form, but if any is missing, fill that in, verify that everything is correct, and then click "Submit."

3. After submitting this information, you'll be on the "Sign Agreement" page, where you will authorize your lender to verify your past and present employment and income. Click "Authorize" to move to the e-signing page, drop in your signature and click "Finish" to send your authorization to your lender.

4. Once you're back on your task list, you've completed this task, and you're ready to move on to working on other document requests.

If you've received an email inviting you to HelloHome, you can create a password to log in and upload your documents to tasks assigned by your lender. You can also complete a loan application, sign documents, and log in to your bank accounts to pull in statements.

To create your HelloHome login:

Look for the email from your lender inviting you to HelloHome. This email will be called "Update on your loan with (your lender's name). Click on "View my tasks." This will open a new tab with your authentication link. Create a password and log in to start uploading documents.

Important note: If you were added as a co-borrower to a loan file, you might request a password with your email address. Please ask your lender to add you to the loan file if you receive a notification that your email is not found.

FileFetch is a great way to link your accounts to HelloHome, allowing us to pull in your official statements and making it easier for you to work with your mortgage specialist to close your loan faster.

Question: My login linked to my bank, but not all my accounts are showing?

It can take a few minutes for all accounts to pull through. You should also check with your bank to ensure that you have electronic delivery enabled.

Question: Why isn't my bank or institution listed?

We're always working on adding partners, but if we haven't added your bank yet, you can still upload your documents to HelloHome.

Question: My login isn't working; why not?

If you've entered in your login credentials and you're getting an error message:

1. Check to ensure you're linking to the correct bank or institution. For example, ADP has five different portals. Check with your bank, HR team, or tax preparer to ensure you have your institution's official name.

2. Use the link "I don't know my login credentials for this account" to test the login on the bank or institution's webpage. This will let you reset your password or contact the bank if you aren't sure what your login credentials are.

3. If you don't have login credentials or cannot retrieve them, you can always upload your documents for your lender.

Some tips on how to fill out your loan application and submit it to your lender:

1. If your lender has sent you a link, create your account by filling out a loan app, filling in your name and email, and picking a password you'll remember.

2. Use the buttons to select your answers or type your answers in the appropriate fields. Make sure to select or fill in a response where you see a red "Answer Required*." You won't be able to submit your loan app without filling in the required answers.

3. When you're done filling in your application, click the blue "Finish and Send" button at the bottom of the page, and then carefully read the pop-up. If you have a co-borrower, make sure you select both of your names. Once you've read it, click "Finish and send." That sends your completed loan application to your lender, along with your agreement for your credit check, and to receive notifications electronically.

4. You can choose to continue to your task list and begin uploading documents, or you can log out for the day.

You might wish to remove a document from your HelloHome file. Follow the steps below to learn how to do that:

1. Log into HelloHome.

2. You'll now be on the "My Mortgage" page, where you've uploaded documents. Click the tab next to "My Mortgage" called "Docs."

3. Using the checkbox next to the document you wish to remove, click the box, click "Delete," and confirm that you'd like to delete the selected document.

HelloHome is mobile responsive, which means you can use it on your phone or tablet. If we are in need of a document right away and you've got your phone and the document, you can upload that quickly and securely.

1. Log into HelloHome on your phone or tablet.

2. Navigate to the task you want to upload your document to and click "Upload."

3. You'll be able to select from a variety of options.

4. Click "more" to get more upload options from services to which your phone is connected.

5. If you choose options from the first page, you can take a picture of a document or select one already taken. If you choose from the second set of options, you can choose from documents saved by a service such as Google Drive. Once an image/document is selected and uploaded, the document or image will be added to the task.

Uploading documents to HelloHome is the fastest and easiest way to move your loan along. Read below on how to upload documents saved to your computer:

1. Log into HelloHome.

2. You'll now be on the "My Mortgage" page, where you'll upload all of your documents.

3. Navigate to the task you wish to upload documents for (in this case, the checking account statement task), and click "Upload." Click the grey box in the modal that pops up, search and select your document on your computer, and click the blue "Upload" button. The page will refresh when the document is uploaded and shown under the task.

4. Repeat this process for each task.

5. Your mortgage lender will receive your securely uploaded documents.

With HelloHome, log into your existing accounts, and we'll pull in your official PDF statements, so you don't need to worry about whether it's current, complete, and official.

1. Log into HelloHome.

2. Navigate to the task you want to link an account for, like Checking Account Statement and click on "Link Account."

3. Search for the name of your financial institution, payroll provider, or tax preparation service in the search bar and select enter. If nothing comes up, we may not be partnered with your institution yet. Hit the previous button at the end of the page and upload your documents instead.

4. If multiple names come up, check for the exact match to your bank or institution and click the box with the logo.

5. Enter the same login credentials you use to log into your bank or financial institution and click login.

6. We'll now reach out to your bank or institution - this may take a few minutes.

7. You may now be asked to verify your identity via a security code or question. This is called two-factor authentication, and it's extremely important. Follow the prompts to verify your account.

8. Once your account is verified, we'll pull in official statements and display what's available for you to pull into your account. Select the statements you wish to import and click "Import Statements." We'll pull the PDFs directly to your task.

Need to upload a document but aren't sure what file type you can use? Here is a list of accepted file types. Files types not on this list will cause an error message - if you aren't sure if your file can be uploaded, don't hesitate to reach out and ask!