Soft Pull
We pull the Experian FICO 8 score during the pre-qualification stage of the application. Our minimum FICO is 640. Further restrictions are laid out in our Pricing Sheet.
Hard Pull
Once you complete the pre-qualification stage, you will need to create their account, income verification, disclosures, and the borrower demographics. Once these are completed, we will complete a hard pull of credit to ensure that the credit profile still conforms to the original prequalification offer. If there is a difference which requires a new offer, it is made, then you will be presented with the option to accept the new offer or cancel your application.
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