APPLICANT AUTHORIZATION & CONSENT

By Clicking “Submit Application,” you acknowledge that the information provided in this application is true and complete to the best of your knowledge and authorize Option One Financial (“Option One”) its affiliates, lending partners, investors, service providers, and authorized representatives to take the actions described below for the purpose of evaluating, processing, underwriting, funding, servicing, and communicating regarding your mortgage loan request.

Credit Authorization

You authorize Option One Financial and its authorized representatives to obtain and review consumer credit reports and other credit-related information from one or more consumer reporting agencies. For pre-qualification purposes, Option One may obtain a soft credit inquiry that does not impact your credit score. If you choose to proceed with a mortgage application or loan approval process, a hard credit inquiry may be obtained, which may affect your credit score.

Verification Authorization

You authorize Option One Financial to verify and re-verify information contained in your application, including but not limited to: Identity and residency information, Employment and income, Bank accounts and assets, Tax returns and tax transcripts, Mortgage and rental payment history, Property ownership and valuation, Insurance information, Any other information necessary to evaluate your eligibility for mortgage financing. Such verification may be conducted through direct contact with employers, financial institutions, government agencies, credit reporting agencies, and third-party verification providers.

Electronic Communications Consent

You consent to receive communications from Option One Financial regarding your application, loan options, status updates, disclosures, and related services by: Telephone, Mobile phone, Text message (SMS), Email, Automated dialing systems, Artificial or prerecorded voice messages. Message and data rates may apply. Consent to receive communications is not a condition of obtaining credit.

Electronic Signature Consent

You agree that your electronic signature, checkbox acknowledgment, or electronic submission of this application constitutes your legal signature and has the same force and effect as a handwritten signature. You consent to the use of electronic records and disclosures in connection with your loan application.

Certification

By submitting this application, you certify that: The information provided is accurate and complete to the best of your knowledge. You understand that false, misleading, or incomplete information may result in denial of your application. You have read and agree to the authorizations and consents described above. You authorize Option One Financial to obtain, verify, and share information as reasonably necessary to process your mortgage loan request.

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Option One Financial, LLC | NMLS #1888223 | Equal Housing Lender. All loan programs, terms, and conditions are subject to change without notice. Not all applicants will qualify. Licensing information and consumer disclosures are available upon request. Option One Financial is committed to fair and responsible lending practices. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance income, sexual orientation, gender identity, or any other characteristic protected by law. BluEleven Capital Corporation dba Option One Financial.