In today’s fast-paced lending landscape, efficiency and protection are crucial considerations for both lenders and borrowers. That’s where our Safe Check solution comes in, offering a seamless way to pre-qualify borrowers while safeguarding them from unnecessary credit trigger lead solicitations. With Safe Check, we can conduct a single or tri-merge soft credit check, eliminating the need for a hard credit report until the loan is ready for closing. YES, you read that right, not until the loan is CLEAR-TO-CLOSE! This innovative approach not only streamlines the borrower approval process but also minimizes unwanted credit inquiries, ensuring a smoother and more hassle-free experience for everyone involved. For realtors, ensure your buyers are protected from unnecessary calls and interference during the loan process. Loan officers with our company will help keep you and our clients front and center.

 

At JZ Mortgage, we go the extra mile with Safe Check by providing the ability to determine if a loan is eligible for an appraisal waiver even before submitting it for underwriting. By utilizing our other valuable tools, we can swiftly evaluate whether an appraisal waiver is viable, resulting in significant time and resource savings. The tri-merge option removes the necessity of a hard credit check until the loan reaches the closing stage, thereby reducing the likelihood of credit trigger solicitations and sparing borrowers from an influx of unsolicited calls. Furthermore, we take proactive measures to assist borrowers in completely opting out of credit trigger lead solicitations, for up to 5 years, ensuring their privacy and a more secure lending experience.

 

SaStreamlined Borrower Pre-Qualification and Safe Check smallfe Check offers another compelling advantage by providing more accurate pricing. By leveraging the tri-merge soft credit check, we gain access to a more precise FICO score, enabling us to make more reliable and valid pricing decisions. This ensures that borrowers receive fair and accurate loan terms tailored to their credit profile. Moreover, Safe Check seamlessly integrates with our suite of lending tools, such as BOLT, enabling us to obtain an initial borrower approval in as little as 15 minutes.

 

In conclusion, Safe Check is a valuable solution that streamlines the borrower pre-qualification process while prioritizing the protection and interests of borrowers. Through a single or tri-merge soft credit check, we efficiently assess borrower eligibility without adversely affecting their credit scores or inviting excessive credit trigger lead solicitations. The ability to determine appraisal waiver eligibility and obtain more accurate pricing further enhances the efficiency and confidence in the lending process. When combined with our range of lending tools, Safe Check provides a comprehensive solution to deliver an exceptional borrower experience!